Loans

Do you need assistance with living expenses or course-related costs?

If you require an urgent loan payment, please submit an application for a Short Term Loan below.

1. UTS short-term student loans

  • These loans are capped at $3,000
  • Open to all students, local and international, currently enrolled in an award course at UTS, who are experiencing short-term cash flow problems may be eligible for an interest-free student loan. Currently enrolled and not 'potentially complete' or within 10 weeks of completing your degree, unless pre-approved by Financial Assistance
  • Applicants may apply through the Financial Assistance Service and must meet eligibility criteria. 
  • Repayments may be deferred for up-to 3 months and scheduled over a further 12 month period BUT must be fully repaid before you complete your course.

Beware of SCAMS which may offer to repay your loan at a discounted rate.

Learn more: short-term loans

2. Government HELP loans

  • The Government administers five Higher Education Loan Program (HELP) loan schemes [opens external site] to assist local students with their tuition fees. 
  • A newly introduced 'combined HELP loan' structure for domestic tuition fees will limit how much HECS-HELP you can borrow over the life-span of your tertiary education. The new 'combined HELP loan limit' replaced the end-of-cycle-2018 FEE-HELP limit, and, will include FEE-HELP, VET Student Loans, VET FEE-HELP and HECS-HELP Loans. The 'combined HELP loan limit' is a cap, limiting the amount of HELP an individual can borrow. 
  • For 2024, the combined HELP loan limit will be $121,844 for most students. (Available HELP funds for medicine, dentistry, vet science maximise at $174,998 in 2024). Current year HELP loan limits. 
  • The right loan for you will depend on your course of study, eligibility and additional factors. These loans include the HECS HELP, FEE-HELP, SA HELP and the OS-HELP for local university students studying both in Australia and abroad.
  • New Zealand citizens who are holders of SC Visas may be eligible for the HELP loan(s) from 1 January 2016. For details:  http://studyassist.gov.au/sites/studyassist/helpfulresources/pages/faqs-nz [opens external site]
  • See also fees and payment for additional information.

3. External loans

  • If you need to borrow a larger amount, you may wish to seek a loan from a financial institution.
  • Mozo and Canstar (opens an external site) offer independent comparison website resources of financial instruments including loans currently listed by banks, credit unions and other financial institutions. Check the interest rates and repayment arrangements and other terms carefully.
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Acknowledgement of Country

UTS acknowledges the Gadigal people of the Eora Nation, the Boorooberongal people of the Dharug Nation, the Bidiagal people and the Gamaygal people, upon whose ancestral lands our university stands. We would also like to pay respect to the Elders both past and present, acknowledging them as the traditional custodians of knowledge for these lands.