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Home | Future students | VET Student Loans

VET Student Loans

Central  Regional TAFE is a training provider authorised  to offer VET Student Loans for certain Commonwealth approved courses.

Eligible students studying approved Diploma and Advanced Diploma courses can opt to defer the payment of all or part of their tuition fees by applying for a VET Student Loan. You will be required at set intervals to demonstrate that you are engaged and progressing through your course. You may wish to seek independent financial advice before applying for a loan.

For more information about the scheme please visit the Commonwealth, Department of Education and Training website OR download the VET Student Loans Information Booklet.

View the College's list of Commonwealth approved courses with loan caps here. Should the tuition fees for your course exceed the loan cap, you will need to pay the difference directly to Central Regional TAFE.

NOTE: VET Student Loans Eligible Courses and Caps may be subject to changes implemented by the Commonwealth Government in 2019.

Eligibility requirements

You must meet ALL of the eligibility criteria detailed below.

  • An Australian citizen (there are additional evidence requirements for those born on or after 20 August 1986 - contact the College for this information)


  • a New Zealand Special Category Visa (SCV) holder who meets the long-term residency requirements (refer to page 12 in the booklet for further details)


  • a permanent humanitarian visa holder (refer to page 18 in the booklet for further details)


  • You have been assessed by your approved course provider as academically suited to undertake the approved course by either:
  • providing your Australian Year 12 Certificate; or
  • providing evidence of successful completion of an Australian Qualifications Framework Certificate IV or higher qualification (where the language of instruction is English); or
  • displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test.
  • You are enrolled with an approved course provider in an approved Diploma course and have enrolled in accordance with the application requirements.
  • You are studying the approved course primarily at a campus in Australia.
  • You have not exceeded the FEE-HELP limit and the Loan Cap for your course.

You must supply all your eligibility evidence at interview and enrolment.

How to apply

To apply for a VET Student Loan you must meet the eligibility criteria and complete the Request for a VET Student Loan electronic Commonwealth Assistance form (eCAF). This electronic form is managed by the Commonwealth. You may apply at any time throughout your study, however the loan can only be approved for units with a future census date. 

You will not be able to complete the eCAF until two business days after your enrolment is confirmed (cooling off period) and must be completed by your first census day. You cannot apply for a VET Student Loan less than two days before your first census day. Your Tax File Number (TFN) is required when completing the eCAF.

A 20 per cent loan fee is applied to loans for Fee for Service or Commercial courses. You will be advised if this applies to your course.

  • You must first enrol with the College and indicate you wish to access a VET Student Loan. Your eligibility evidence must be provided before an invitation to apply for a loan will be emailed to you. The College will then provide the Commonwealth with your enrolment details, including the nearest applicable census day, through the eCAF system.
  • When applying for a VET Student Loan, you must confirm that you have read the the VET Student Loan Information.
  • You will then receive an email from the Commonwealth inviting you to complete your loan application online.  You will need to verify the pre-populated information and complete the mandatory fields in your application. Submit the eCAF and a copy of your application will be sent to you and the College advised or your application.
  • Retrospective access is not available to VET Student Loans for units where the census date has passed.

Students under the age of 18

If you are under 18 years of age, a parent or guardian must co-sign the form. Download the form here. Submit the signed form with your other documents.

However, this is not necessary if you have been assessed by Centrelink as meeting the requirements for receiving the independent rate of Youth Allowance under part 2.11 of the Social Security Act 1991. You will need to provide evidence of this assessment in the form of your Centrelink Income Statement.


More information on completing the eCAF can be found in the eCAF factsheet.

What happens next
 For the duration of your course you will be mailed the following notices:
  • A Fee Notice will usually be sent out at least 14 days prior to each census date to notify you of what units are due to pass their census date and the cost that will be applied to your loan.
  • A Commonwealth Assistance Notice (CAN) will usually be sent out within 28 days of the census date passing.  This notice will confirm the amount of loan debt you have incurred. It will include your unit tuition fees, any upfront payments you have made, and any VET Student Loan you have used.
  • Please check all of the details on your Fee Notice and Commonwealth Assistance Notice carefully and notify us in writing - by email or phone within 14 days if the information is incorrect.

To continue to receive a VET Student loan, you must:

  • continue to be an eligible student
  • continue to study an approved Diploma course
  • continue studying with an approved course provider
  • have applied to the government using the approved online form, and
  • confirmed your engagement and progression when requested by the Commonwealth to do so.

If you no longer wish to pay your unit fees using a VET Student Loan, you must notify Client Services. If you choose to cancel your VET Student Loan, you must arrange to pay any outstanding fees.

It is important that you inform us about changes to your contact details as we will send you important information about your VET Student Loan via your email and postal address.

Student engagement and progression requirement 

The Commonwealth Government has introduced the VET Student Loan Progression process to make sure that you are engaged in the training related to your VET Student Loan.

To demonstrate this, you must complete the ‘VET Student Loans— Confirming enrolment and continued course engagement and participation form’ in the eCAF system at least twice each calendar year—around February, June and October—for the duration of your course.

The form contains a short survey and asks if you intend to continue studying and accessing a VET student loan. 

  • You will receive an invitation email from the Commonwealth asking you to complete the Progression Form.
  • You will have 14 days from the date you receive the invitation email to complete this.
  • If you do not complete it in time, please contact Central Regional TAFE.
  • If you do not confirm your continuing engagement and participation using the Progression Form, you may be ineligible to continue accessing a VET student loan for your course.


Literacy and numeracy assessment

If you cannot provide a copy of your Australian Senior Secondary Certificate of Education; or a copy of an Australian Qualifications Framework Certificate IV or higher qualification (where the language of instruction is English); you will need to attain an 'Exit Level 3' in the Australian Core Skills Framework (ACSF) assessment test in reading and numeracy using a Commonwealth approved testing tool. The College currently uses the LLN Robot. Find out more about  the ACSF.

If a literacy and numeracy assessment is required you will be advised at your loan interview. Appointments for any required testing using the approved tool  can be made at your interview or by contacting Client Services at your local campus. 

About the Assessment

  • The assessment has two components: Reading and Numeracy.
  • Consists of thirty questions, 15 for reading and 15 for numeracy. 
  • The format of questions is a mix of point and click; drag and drop; reorder items and text or numerical entry.
  • Marking is done automatically by the tool.
  • 13 out of 15 questions for both reading and numeracy must be answered correctly to be assessed at Level 3 of the ACSF.

Assessment Conditions

  • Must be supervised on campus or at an approved location and completed in one sitting.
  • Please bring photo ID with you.
  • Calculators, pencils and paper will be supplied.
  • Mobile devices and the Internet are not permitted to be used.
  • One hour will be allocated to complete the assessment, but you may request additional time should the need arise.

What Happens Next

  • Your assessment results will normally be available immediately after your assessment.
  • Your assessment supervisor will advise you of your results.  A copy will also be emailed to you.
  • You will need to obtain an 'Exit Level 3' for both reading and numeracy components to be eligible to apply for a VET Student Loan.
  • Your results will be kept by the College for five years.
Course fees and college policies


    Page last updated December 13, 2018