This booklet is for people enrolling in vocational education and training (VET) courses at the diploma level and above. It is a summary of the key points a person accessing the VET FEE-HELP loan scheme needs to know.
As you read through this booklet, you will notice that each page has key words highlighted – refer to the glossary for an explanation of what these words mean. If, after reading this booklet, you require additional information regarding VET FEE-HELP, you can visit the Study Assist website at www.studyassist.gov.au. You can also refer to the CSP and HELP Handbook for 2014.
If you need information about loans for students in Commonwealth supported places or fee paying places at higher education providers, please see the Commonwealth supported places and HECS-HELP information for 2014 booklet or the FEE-HELP information for 2014 booklet. The handbook and all HELP-related student information booklets are available at www.studyassist.gov.au.
This document provides information about VET FEE-HELP, an Australian Government loan scheme that helps eligible students pay their tuition fees for vocational education and training (VET) courses at diploma level or above. It outlines who is eligible for VET FEE-HELP loans, including citizenship and residency requirements. Key points covered include what the FEE-HELP limit is, how interest is charged, and the process for applying for a VET FEE-HELP loan including important dates like the census date. It also provides information on keeping track of your loan, withdrawing from units, repaying your debt, and contact details for additional information or assistance.
This document summarizes key information about Commonwealth Supported Places (CSPs) and the HECS-HELP loan scheme for Australian university students. It explains that CSPs subsidize university tuition fees for eligible students. HECS-HELP assists eligible CSP students to pay their student contributions via a government loan which is repaid later through the tax system. The document provides details on CSP and HECS-HELP eligibility, applying for a place and loan, census dates, withdrawing from studies, and loan repayment obligations. It also includes contact information for additional assistance.
Federal regulations require Houston Community College to monitor the academic progress of all students receiving financial aid. Students must maintain a minimum 2.0 GPA, complete 67% of attempted credit hours, and complete their degree within 150% of the required credit hours. Students who do not meet these standards will be placed on financial aid warning or suspension and risk losing their eligibility for aid. Appeals for reinstatement of aid are allowed only for mitigating circumstances and require an academic plan.
Coronavirus Aid, Relief, and Economic Security Act: What Is in It for US Edu...Jeff Martinez
The US government is continuing to respond
to the spread of the Coronavirus disease 2019
(COVID-19) with new actions to provide relief
to students and educators. Late evening on
Wednesday, March 25, the Senate passed the
Coronavirus Aid, Relief, and Economic Security
(CARES) Act – the third piece of legislation
to respond to the COVID-19 pandemic – by a
vote of 96-0. On Friday, March 27, the House
of Representatives passed the bill, which was
signed into law by President Trump the same
day.
The document provides the government's response to a report by the Education and Skills Committee on special educational needs (SEN). It acknowledges increases in SEN funding but argues major policy review is unnecessary given progress. It addresses calls for a national framework with local flexibility and priorities for 2006-2009. Key points are that SEN outcomes are improving, provision can be effective in all school types, and statutory assessments and statements should be retained while continuing work to improve the process and support for parents.
The New Hampshire Charter School Program has four primary objectives: 1) To increase the number of high-quality charter schools, especially those serving disadvantaged students. 2) To improve achievement and graduation rates of secondary charter school students. 3) To disseminate best practices of charter schools. 4) To empower charter schools to become strong independent organizations and support fiscal responsibility. Charter schools can be authorized locally or by the state board of education. Federal Charter School Program grants support planning, design, and initial implementation of new charter schools. New Hampshire prioritizes funding for schools serving at-risk students from low-performing districts.
The document provides guidance on appealing a financial aid award letter. It advises that accepting an award letter does not commit a student to attending the school and allows for appealing future awards. It recommends having a college advisor evaluate multiple award letters to determine the best offer. Award letters should be appealed to the financial aid officer (FAO) if the amounts do not match what the school advertises or if the family's needs are not met. It also asks how private scholarships from Connecticut are treated in award letters.
Standards of academic progress (sap) presentation 11 16 2012Stephanie Nantz
Thank you for the detailed overview of Standards of Academic Progress (SAP) requirements and processes. Let me know if you need any clarification or have additional questions.
This document provides information about VET FEE-HELP, an Australian Government loan scheme that helps eligible students pay their tuition fees for vocational education and training (VET) courses at diploma level or above. It outlines who is eligible for VET FEE-HELP loans, including citizenship and residency requirements. Key points covered include what the FEE-HELP limit is, how interest is charged, and the process for applying for a VET FEE-HELP loan including important dates like the census date. It also provides information on keeping track of your loan, withdrawing from units, repaying your debt, and contact details for additional information or assistance.
This document summarizes key information about Commonwealth Supported Places (CSPs) and the HECS-HELP loan scheme for Australian university students. It explains that CSPs subsidize university tuition fees for eligible students. HECS-HELP assists eligible CSP students to pay their student contributions via a government loan which is repaid later through the tax system. The document provides details on CSP and HECS-HELP eligibility, applying for a place and loan, census dates, withdrawing from studies, and loan repayment obligations. It also includes contact information for additional assistance.
Federal regulations require Houston Community College to monitor the academic progress of all students receiving financial aid. Students must maintain a minimum 2.0 GPA, complete 67% of attempted credit hours, and complete their degree within 150% of the required credit hours. Students who do not meet these standards will be placed on financial aid warning or suspension and risk losing their eligibility for aid. Appeals for reinstatement of aid are allowed only for mitigating circumstances and require an academic plan.
Coronavirus Aid, Relief, and Economic Security Act: What Is in It for US Edu...Jeff Martinez
The US government is continuing to respond
to the spread of the Coronavirus disease 2019
(COVID-19) with new actions to provide relief
to students and educators. Late evening on
Wednesday, March 25, the Senate passed the
Coronavirus Aid, Relief, and Economic Security
(CARES) Act – the third piece of legislation
to respond to the COVID-19 pandemic – by a
vote of 96-0. On Friday, March 27, the House
of Representatives passed the bill, which was
signed into law by President Trump the same
day.
The document provides the government's response to a report by the Education and Skills Committee on special educational needs (SEN). It acknowledges increases in SEN funding but argues major policy review is unnecessary given progress. It addresses calls for a national framework with local flexibility and priorities for 2006-2009. Key points are that SEN outcomes are improving, provision can be effective in all school types, and statutory assessments and statements should be retained while continuing work to improve the process and support for parents.
The New Hampshire Charter School Program has four primary objectives: 1) To increase the number of high-quality charter schools, especially those serving disadvantaged students. 2) To improve achievement and graduation rates of secondary charter school students. 3) To disseminate best practices of charter schools. 4) To empower charter schools to become strong independent organizations and support fiscal responsibility. Charter schools can be authorized locally or by the state board of education. Federal Charter School Program grants support planning, design, and initial implementation of new charter schools. New Hampshire prioritizes funding for schools serving at-risk students from low-performing districts.
The document provides guidance on appealing a financial aid award letter. It advises that accepting an award letter does not commit a student to attending the school and allows for appealing future awards. It recommends having a college advisor evaluate multiple award letters to determine the best offer. Award letters should be appealed to the financial aid officer (FAO) if the amounts do not match what the school advertises or if the family's needs are not met. It also asks how private scholarships from Connecticut are treated in award letters.
Standards of academic progress (sap) presentation 11 16 2012Stephanie Nantz
Thank you for the detailed overview of Standards of Academic Progress (SAP) requirements and processes. Let me know if you need any clarification or have additional questions.
New group hopes to help single moms, many otherspleasure16
This document provides information about financial support available in the 2009/2010 academic year for full-time students in England who have children. It summarizes the Childcare Grant, which pays up to 85% of registered childcare costs, up to £148.75 per week for one child and £255 per week for two or more children. It also mentions the Parents' Learning Allowance of up to £1,508 per year. The document provides details on eligibility and how to apply for these supports from Student Finance England or local authorities. It encourages ensuring childcare providers are registered with Ofsted.
This document summarizes various sources of financial aid available to students in 2009/2010, including grants, scholarships, loans, work-study programs, and tax credits. Grants such as Pell Grants and state grants provide need-based aid that does not need to be repaid. Scholarships are also aid that does not need to be repaid and are awarded based on special qualifications. Loans such as Perkins and Stafford loans are available based on financial need. Work-study programs allow students to earn money for education through on-campus jobs. A new $2,500 tax credit was also authorized to help families pay for college costs. Students are advised to contact their university financial aid office for details on available funding
The document discusses the responsibilities of education providers in the UK that sponsor overseas students under Tier 4 of the Points-Based Immigration System. It notes that to sponsor students, education providers must have a Tier 4 Sponsor Licence, which places duties on them to ensure students enroll and complete their courses. Education providers that have held a licence for around a year may obtain Highly Trusted Sponsor status if they have a history of immigration compliance. However, the legitimacy of some education providers with this status has been questioned. When evidence suggests a sponsor is breaching its duties or threatens immigration control, its licence can be suspended pending investigation. Courts have made it clear that sponsor status is a privilege that carries great responsibility, and compliance is required to
The National Student Financial Aid Scheme (NSFAS) in South Africa provides loans and bursaries to students from families earning less than R120,000 per year. However, this excludes many students whose families earn up to R300,000 and cannot afford university. To help these students, NSFAS is setting up a new fund with support from the Public Investment Corporation and Government Employees Pension Fund. The fund would provide surety to banks to loan to higher-performing students. However, there are challenges as NSFAS is limited in resources and many banks demand surety and charge high interest rates that exclude middle-income families. Alternatives like private lender EduLoan have restrictions like requiring immediate repayment that make
The document discusses various options for paying rising college tuition costs in the United States, including federal financial aid programs. It outlines the benefits of grants, work-study programs, and student loans. Grants provide free money that does not need to be repaid, while work-study allows students to earn income through on-campus jobs. Student loans allow low-income students to access funds to pay for school. Federal programs aim to make college affordable and help students achieve their educational dreams.
This document provides information about financial aid available at San Jose State University. It discusses the basic types of financial aid including grants, loans, scholarships, and work study. It explains how to apply for financial aid through completing the Free Application for Federal Student Aid (FAFSA) and defines important terms like expected family contribution, cost of attendance, and financial need used to determine eligibility. The document emphasizes applying by deadlines and maintaining satisfactory academic progress to receive financial aid.
This document summarizes various financial aid opportunities for students in 2009-2010, including grants, scholarships, loans, and work study programs. It outlines the major federal and state grant programs available, such as Pell Grants and Maine State Grants. It also discusses scholarships, loans like Perkins and Stafford loans, and the Federal Work Study Program. Students are encouraged to contact their university financial aid office to learn more about the options available to help fund their education.
This document provides information about VET FEE-HELP, an Australian Government loan scheme that assists eligible students to pay tuition fees for vocational education and training (VET) qualifications at diploma level or higher. It outlines the eligibility requirements for VET FEE-HELP, such as being an Australian citizen or permanent resident, enrolled in an eligible course at an approved training provider. The document also summarizes how much can be borrowed through VET FEE-HELP, which is capped at $96,000, and how the loans are repaid through future tax payments along with a 20% loan fee for full fee students.
Government Should Provide Student Facilitiesanwarkhan45314
Every student's dream is to get admission into a good college. But what they don’t realize is that once they are in, they have to fend for themselves. There are a lot of things that the government should provide to students in colleges, but unfortunately, they don’t. In this article, we will be discussing the facilities that the government should provide to students in colleges. From basic necessities like food and shelter to more specific things like books and stationery, there are a lot of things that students need in order to succeed in their studies. We hope that by bringing attention to this issue, we can pressure the government into providing better facilities for students in colleges.
Lab rubricInstructor Guidelines First enter scores (between 0 and.docxcroysierkathey
Lab rubricInstructor Guidelines: First enter scores (between 0 and 4) into yellow cells only in column F. Then, include student-specific feedback in the appropriate cell.InappropriateBelow AverageAverageAbove AverageScoreWeightFinal Score1234The entry is on topic and includes content to support the unit Learning Objectives.Submission does not relate to the topic.Answers some question/topics with some content linked to only one unit Learning Objective.Answers all questions with some content linked to at least two unit Learning Objectives.Answers all questions with opinions/ideas creatively, clearly, and completely with obvious support of all unit Learning Objectives.60%0.00The entry demonstrates critical thinking by supporting opinions with example and explanations.Submission does not relate to the topic.Answers some question/topics with some clearly stated opinions. No example is provided.Answers all questions with opinions and ideas that are stated clearly. At least one example is provided.Answers all questions with opinions/ideas creatively, clearly, and completely. More than one example is provided.20%0.00The entry meets length stated in assignment requirements.Submission did not meet stated length.Submission met or exceed the stated length.10%0.00Spelling/
Grammar/ Formatting/ MechanicsSignificant errors in spelling and/or grammar. Major flaws in writing mechanics and formatting.Poor spelling and grammar are apparent. Does not use APA style formatting when needed.Uses Standard English with rare errors and misspellings. Minor errors in APA style formatting.Consistently uses Standard English with rare misspellings. Appropriate mechanics and APA style formatting.10%0.00100%0.00Final Score0Percentage0.00%Total available points =204Rubric ScoreGrade pointsPercentageLowHighLowHighLowHigh3.54.0182090%100%2.53.49161880%89.99%1.72.49141670%79.99%0.01.00014069.99%
FEDERAL AND STATE FUNDING FOR CHILD CARE AND EARLY LEARNING
Early childhood professionals, such as child care providers, teachers, and consultants, receive federal and state funding to provide a variety of
services to children in low-income working families. Federal and state funding for early childhood services are available through a complex maze
of funding streams and government agencies. The following are some quick facts about early childhood services and the funding streams that
support these services.
■ Most federal funds are granted to State agencies to provide statewide services. Some federal funding is provided directly to local public and
private entities. 1
■ Federal and state funding for child care services is also provided directly to parents via tax credits. Some States have established business tax
credits to support child care providers directly. There are also tax credits available for businesses that sponsor child care for their employees.
■ The Federal and the State Departments of Education fund public (schools) and private ...
This document provides guidance for student veterans on applying for and participating in the VA Work-Study program. It outlines the eligibility requirements, application process, payment procedures, and other important details. Key points include that students must be enrolled at least 3/4 time and receiving VA educational benefits to qualify. The application involves completing VA Form 22-8691 along with a resume and statement of educational goals. Accepted students can work up to 25 hours per week and be paid every 50 hours worked at the federal or state minimum wage rate.
Navigating Financial Aid for Aspiring Dental Professionals in Canada.pptxEvolve Dental Academy
Starting a journey to becoming a dental professional is an exciting adventure. However, the road comes with tremendous economic implications, especially when it comes to Dentist course fees in Canada. Luckily, many financial aid packages exist from which students can benefit to support their studies at institutions such as Evolve Dental Academy.
Differential tuition is an additional tuition that students on some campuses pay for specific purposes. At UW System schools, all students pay a base tuition set by the Board of Regents, while differential tuition is set separately by each university and remains at that university to be allocated by the responsible committee. Differential tuition funds are more flexible than other campus funding and can be used to address issues like bottleneck courses and inconsistent advising.
This document provides a guide for parents and guardians to support their child through the higher education application process. It covers key dates, exploring options, how to pay for university including tuition fees and student loans, completing the UCAS application, and what happens after applications are submitted. The guide explains the application timeline and resources available to help students and families plan and prepare.
Further education (FE) is any education after secondary education that’s not part of higher education (not taken as an undergraduate or graduate degree).
If you’re a bit bewildered by it all, you are not alone!
It can be difficult to understand how things fit together.
This guide is your starting point
The document discusses the Adopt-A-School Program in the Philippines which allows private entities to partner with public schools to help improve education opportunities. It provides an overview of the need for the program, outlines the various types of assistance private partners can provide to schools including infrastructure, learning support, health and nutrition programs. It also addresses frequently asked questions about how an entity can participate, which schools are prioritized, and the requirements to receive tax incentives. Overall the document serves to promote the Adopt-A-School Program and encourage private sector participation through strategic partnerships.
Part 4 the asquith group case study eleven themesasalarsson
Education disengagement
There are children and young people either not regularly attending or disengaging altogether from school, and this group includes cohorts who are younger than the school leaving age of 17.
This document is a policy statement from Leading Age Services Australia (LASA) regarding access to aged care for both consumers and providers. Some key points:
1) LASA advocates for a more streamlined process for allocating aged care places that allows market forces to dictate distribution, rather than the current Aged Care Approval Rounds.
2) They support investigating better allocation methods and ensuring places are adequately funded to meet demand.
3) Access to care should be based on need, though current rationing can cause waiting times or deter some from formal care.
4) Market forces and demand, not rigid ratios, should encourage the expected growth in aged care over the next 20+ years.
Have questions about student financial aid? Would you like to learn more about student financial aid? Check out this presentation to for a 101 course on financial aid.
How To Finance Your Studies - An Oxbridge Academy GuideOxbridge Academy
In this e-book, you will learn everything you need to know about:
• Scholarships and bursaries
• Student loans
• Working to pay for your studies
• Using employer skills development levies
• Choosing a study option that suits both your needs and your resources
This e-book not only aims to help you find solutions to the problem of financing your studies, but also to help you empower yourself and to find ways to make studying a feasible reality.
Toward Better Policy for Early Care and Education in the United Stateselccollaboration
The document discusses establishing a quality rating and improvement system (QRIS) that brings together early childhood education programs under common standards. It proposes using a tiered reimbursement structure to incentivize programs to meet higher quality thresholds. Support and funding would be linked to programs' QRIS rating levels to improve quality over time and increase access for vulnerable children. Examples from different states show cost sharing approaches to build an integrated early education system.
Toward Better Policy for Early Care and Education in the United Stateselccollaboration
The document discusses establishing a quality rating and improvement system (QRIS) that brings together early childhood education programs under common standards. It proposes using a tiered reimbursement structure to incentivize programs to meet higher quality thresholds. Support and funding would be linked to programs' QRIS rating levels to improve quality over time and increase access for vulnerable children. Examples from different states show cost sharing approaches to build an integrated early education system.
New group hopes to help single moms, many otherspleasure16
This document provides information about financial support available in the 2009/2010 academic year for full-time students in England who have children. It summarizes the Childcare Grant, which pays up to 85% of registered childcare costs, up to £148.75 per week for one child and £255 per week for two or more children. It also mentions the Parents' Learning Allowance of up to £1,508 per year. The document provides details on eligibility and how to apply for these supports from Student Finance England or local authorities. It encourages ensuring childcare providers are registered with Ofsted.
This document summarizes various sources of financial aid available to students in 2009/2010, including grants, scholarships, loans, work-study programs, and tax credits. Grants such as Pell Grants and state grants provide need-based aid that does not need to be repaid. Scholarships are also aid that does not need to be repaid and are awarded based on special qualifications. Loans such as Perkins and Stafford loans are available based on financial need. Work-study programs allow students to earn money for education through on-campus jobs. A new $2,500 tax credit was also authorized to help families pay for college costs. Students are advised to contact their university financial aid office for details on available funding
The document discusses the responsibilities of education providers in the UK that sponsor overseas students under Tier 4 of the Points-Based Immigration System. It notes that to sponsor students, education providers must have a Tier 4 Sponsor Licence, which places duties on them to ensure students enroll and complete their courses. Education providers that have held a licence for around a year may obtain Highly Trusted Sponsor status if they have a history of immigration compliance. However, the legitimacy of some education providers with this status has been questioned. When evidence suggests a sponsor is breaching its duties or threatens immigration control, its licence can be suspended pending investigation. Courts have made it clear that sponsor status is a privilege that carries great responsibility, and compliance is required to
The National Student Financial Aid Scheme (NSFAS) in South Africa provides loans and bursaries to students from families earning less than R120,000 per year. However, this excludes many students whose families earn up to R300,000 and cannot afford university. To help these students, NSFAS is setting up a new fund with support from the Public Investment Corporation and Government Employees Pension Fund. The fund would provide surety to banks to loan to higher-performing students. However, there are challenges as NSFAS is limited in resources and many banks demand surety and charge high interest rates that exclude middle-income families. Alternatives like private lender EduLoan have restrictions like requiring immediate repayment that make
The document discusses various options for paying rising college tuition costs in the United States, including federal financial aid programs. It outlines the benefits of grants, work-study programs, and student loans. Grants provide free money that does not need to be repaid, while work-study allows students to earn income through on-campus jobs. Student loans allow low-income students to access funds to pay for school. Federal programs aim to make college affordable and help students achieve their educational dreams.
This document provides information about financial aid available at San Jose State University. It discusses the basic types of financial aid including grants, loans, scholarships, and work study. It explains how to apply for financial aid through completing the Free Application for Federal Student Aid (FAFSA) and defines important terms like expected family contribution, cost of attendance, and financial need used to determine eligibility. The document emphasizes applying by deadlines and maintaining satisfactory academic progress to receive financial aid.
This document summarizes various financial aid opportunities for students in 2009-2010, including grants, scholarships, loans, and work study programs. It outlines the major federal and state grant programs available, such as Pell Grants and Maine State Grants. It also discusses scholarships, loans like Perkins and Stafford loans, and the Federal Work Study Program. Students are encouraged to contact their university financial aid office to learn more about the options available to help fund their education.
This document provides information about VET FEE-HELP, an Australian Government loan scheme that assists eligible students to pay tuition fees for vocational education and training (VET) qualifications at diploma level or higher. It outlines the eligibility requirements for VET FEE-HELP, such as being an Australian citizen or permanent resident, enrolled in an eligible course at an approved training provider. The document also summarizes how much can be borrowed through VET FEE-HELP, which is capped at $96,000, and how the loans are repaid through future tax payments along with a 20% loan fee for full fee students.
Government Should Provide Student Facilitiesanwarkhan45314
Every student's dream is to get admission into a good college. But what they don’t realize is that once they are in, they have to fend for themselves. There are a lot of things that the government should provide to students in colleges, but unfortunately, they don’t. In this article, we will be discussing the facilities that the government should provide to students in colleges. From basic necessities like food and shelter to more specific things like books and stationery, there are a lot of things that students need in order to succeed in their studies. We hope that by bringing attention to this issue, we can pressure the government into providing better facilities for students in colleges.
Lab rubricInstructor Guidelines First enter scores (between 0 and.docxcroysierkathey
Lab rubricInstructor Guidelines: First enter scores (between 0 and 4) into yellow cells only in column F. Then, include student-specific feedback in the appropriate cell.InappropriateBelow AverageAverageAbove AverageScoreWeightFinal Score1234The entry is on topic and includes content to support the unit Learning Objectives.Submission does not relate to the topic.Answers some question/topics with some content linked to only one unit Learning Objective.Answers all questions with some content linked to at least two unit Learning Objectives.Answers all questions with opinions/ideas creatively, clearly, and completely with obvious support of all unit Learning Objectives.60%0.00The entry demonstrates critical thinking by supporting opinions with example and explanations.Submission does not relate to the topic.Answers some question/topics with some clearly stated opinions. No example is provided.Answers all questions with opinions and ideas that are stated clearly. At least one example is provided.Answers all questions with opinions/ideas creatively, clearly, and completely. More than one example is provided.20%0.00The entry meets length stated in assignment requirements.Submission did not meet stated length.Submission met or exceed the stated length.10%0.00Spelling/
Grammar/ Formatting/ MechanicsSignificant errors in spelling and/or grammar. Major flaws in writing mechanics and formatting.Poor spelling and grammar are apparent. Does not use APA style formatting when needed.Uses Standard English with rare errors and misspellings. Minor errors in APA style formatting.Consistently uses Standard English with rare misspellings. Appropriate mechanics and APA style formatting.10%0.00100%0.00Final Score0Percentage0.00%Total available points =204Rubric ScoreGrade pointsPercentageLowHighLowHighLowHigh3.54.0182090%100%2.53.49161880%89.99%1.72.49141670%79.99%0.01.00014069.99%
FEDERAL AND STATE FUNDING FOR CHILD CARE AND EARLY LEARNING
Early childhood professionals, such as child care providers, teachers, and consultants, receive federal and state funding to provide a variety of
services to children in low-income working families. Federal and state funding for early childhood services are available through a complex maze
of funding streams and government agencies. The following are some quick facts about early childhood services and the funding streams that
support these services.
■ Most federal funds are granted to State agencies to provide statewide services. Some federal funding is provided directly to local public and
private entities. 1
■ Federal and state funding for child care services is also provided directly to parents via tax credits. Some States have established business tax
credits to support child care providers directly. There are also tax credits available for businesses that sponsor child care for their employees.
■ The Federal and the State Departments of Education fund public (schools) and private ...
This document provides guidance for student veterans on applying for and participating in the VA Work-Study program. It outlines the eligibility requirements, application process, payment procedures, and other important details. Key points include that students must be enrolled at least 3/4 time and receiving VA educational benefits to qualify. The application involves completing VA Form 22-8691 along with a resume and statement of educational goals. Accepted students can work up to 25 hours per week and be paid every 50 hours worked at the federal or state minimum wage rate.
Navigating Financial Aid for Aspiring Dental Professionals in Canada.pptxEvolve Dental Academy
Starting a journey to becoming a dental professional is an exciting adventure. However, the road comes with tremendous economic implications, especially when it comes to Dentist course fees in Canada. Luckily, many financial aid packages exist from which students can benefit to support their studies at institutions such as Evolve Dental Academy.
Differential tuition is an additional tuition that students on some campuses pay for specific purposes. At UW System schools, all students pay a base tuition set by the Board of Regents, while differential tuition is set separately by each university and remains at that university to be allocated by the responsible committee. Differential tuition funds are more flexible than other campus funding and can be used to address issues like bottleneck courses and inconsistent advising.
This document provides a guide for parents and guardians to support their child through the higher education application process. It covers key dates, exploring options, how to pay for university including tuition fees and student loans, completing the UCAS application, and what happens after applications are submitted. The guide explains the application timeline and resources available to help students and families plan and prepare.
Further education (FE) is any education after secondary education that’s not part of higher education (not taken as an undergraduate or graduate degree).
If you’re a bit bewildered by it all, you are not alone!
It can be difficult to understand how things fit together.
This guide is your starting point
The document discusses the Adopt-A-School Program in the Philippines which allows private entities to partner with public schools to help improve education opportunities. It provides an overview of the need for the program, outlines the various types of assistance private partners can provide to schools including infrastructure, learning support, health and nutrition programs. It also addresses frequently asked questions about how an entity can participate, which schools are prioritized, and the requirements to receive tax incentives. Overall the document serves to promote the Adopt-A-School Program and encourage private sector participation through strategic partnerships.
Part 4 the asquith group case study eleven themesasalarsson
Education disengagement
There are children and young people either not regularly attending or disengaging altogether from school, and this group includes cohorts who are younger than the school leaving age of 17.
This document is a policy statement from Leading Age Services Australia (LASA) regarding access to aged care for both consumers and providers. Some key points:
1) LASA advocates for a more streamlined process for allocating aged care places that allows market forces to dictate distribution, rather than the current Aged Care Approval Rounds.
2) They support investigating better allocation methods and ensuring places are adequately funded to meet demand.
3) Access to care should be based on need, though current rationing can cause waiting times or deter some from formal care.
4) Market forces and demand, not rigid ratios, should encourage the expected growth in aged care over the next 20+ years.
Have questions about student financial aid? Would you like to learn more about student financial aid? Check out this presentation to for a 101 course on financial aid.
How To Finance Your Studies - An Oxbridge Academy GuideOxbridge Academy
In this e-book, you will learn everything you need to know about:
• Scholarships and bursaries
• Student loans
• Working to pay for your studies
• Using employer skills development levies
• Choosing a study option that suits both your needs and your resources
This e-book not only aims to help you find solutions to the problem of financing your studies, but also to help you empower yourself and to find ways to make studying a feasible reality.
Toward Better Policy for Early Care and Education in the United Stateselccollaboration
The document discusses establishing a quality rating and improvement system (QRIS) that brings together early childhood education programs under common standards. It proposes using a tiered reimbursement structure to incentivize programs to meet higher quality thresholds. Support and funding would be linked to programs' QRIS rating levels to improve quality over time and increase access for vulnerable children. Examples from different states show cost sharing approaches to build an integrated early education system.
Toward Better Policy for Early Care and Education in the United Stateselccollaboration
The document discusses establishing a quality rating and improvement system (QRIS) that brings together early childhood education programs under common standards. It proposes using a tiered reimbursement structure to incentivize programs to meet higher quality thresholds. Support and funding would be linked to programs' QRIS rating levels to improve quality over time and increase access for vulnerable children. Examples from different states show cost sharing approaches to build an integrated early education system.
The document provides information about:
1) The process for reassessing existing incapacity benefits customers, which will involve a medical questionnaire and may include a Work Capability Assessment to determine eligibility for Employment and Support Allowance.
2) Details about the Employment and Support Allowance program, which will place qualifying customers into either the Work-Related Activity Group or Support Group.
3) Plans to introduce a single Work Program by 2011 to provide targeted assistance to those moving onto benefits.
AUS-Up | Upskilling Australian Employees in COVID DownturnBen Apted
A policy idea from SPP Consulting Team to leverage available education sector capacity online, to keep employees connected to businesses and upskill them whilst they have available, productive time available in the COVID downturn.
This chapter discusses strategies for students to succeed in college, including clarifying their reasons for attending, getting involved socially and academically, using school resources, understanding policies, and managing finances. It emphasizes the importance of time management, prioritizing responsibilities, taking advantage of financial aid, and balancing school with work, family and friends. The chapter provides tips and resources to help readers develop plans for transportation, budgeting, and accessing financial assistance.
Pursue Quality Training and Enroll to Courses at Hammond InstituteLeela Devi
Government funded courses are available in Melbourne for students who aspire to serve the community by helping people. The courses offered overall grooming of a candidate in order to transform him/her into a proficient trainer or educator. Hammond Institute is also providing certificate courses to become professionals in the desired field. You can visit their website for more details.
हिंदी वर्णमाला पीपीटी, hindi alphabet PPT presentation, hindi varnamala PPT, Hindi Varnamala pdf, हिंदी स्वर, हिंदी व्यंजन, sikhiye hindi varnmala, dr. mulla adam ali, hindi language and literature, hindi alphabet with drawing, hindi alphabet pdf, hindi varnamala for childrens, hindi language, hindi varnamala practice for kids, https://www.drmullaadamali.com
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
How to Setup Warehouse & Location in Odoo 17 InventoryCeline George
In this slide, we'll explore how to set up warehouses and locations in Odoo 17 Inventory. This will help us manage our stock effectively, track inventory levels, and streamline warehouse operations.
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...Diana Rendina
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
-------------------------------------------------------------------------------
Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
-------------------------------------------------------------------------------
For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
2. YOU MUST READ THIS BOOKLET BEFORE
SIGNING THE COMMONWEALTH ASSISTANCE
FORM BELOW.
WHEN YOU SIGN THIS FORM YOU DECLARE THAT
YOU HAVE READ THIS BOOKLET AND THAT YOU
ARE AWARE OF YOUR OBLIGATIONS UNDER VET
FEE-HELP.
USING THIS BOOKLET
• As you read through, you will notice that certain terms
are highlighted in blue and underlined. These terms are
defined in the glossary.
• If you have a specific question after reading this
booklet, the contacts list at the end of this booklet will
help you.
• More information about VET FEE-HELP is available at
www.studyassist.gov.au.
IMPORTANT NOTE: The Department of Education has
endeavoured to ensure that the information in this publication
is consistent with the Higher Education Support Act 2003 (the
Act) and guidelines made under the Act, available at
www.comlaw.gov.au. However, there may be differences
between this publication and the Act or guidelines – if there is
any inconsistency the Act will take precedence.
3. WHO IS THIS BOOKLET FOR?
This booklet is for people enrolling in vocational education
and training (VET) courses at the diploma level and above.
It is a summary of the key points a person accessing the
VET FEE-HELP loan scheme needs to know.
As you read through this booklet, you will notice that each
page has key words highlighted – refer to the glossary for an
explanation of what these words mean. If, after reading this
booklet, you require additional information regarding VET
FEE-HELP, you can visit the Study Assist website at
www.studyassist.gov.au. You can also refer to the CSP
and HELP Handbook for 2014.
If you need information about loans for students in
Commonwealth supported places or fee paying places at
higher education providers, please see the Commonwealth
supported places and HECS-HELP information for 2014
booklet or the FEE-HELP information for 2014 booklet.
The handbook and all HELP-related student information
booklets are available at www.studyassist.gov.au.
4. WHO IS THIS BOOKLET FOR? .......................................3
GLOSSARY ......................................................................6
TRANSITIONING TO TERTIARY STUDY ........................9
1. THE VET FEE-HELP LOAN SCHEME ..............11
1.1 What is VET FEE-HELP?...................................11
1.2 Who can use VET FEE-HELP?..........................11
1.3 What are the citizenship and residency
requirements for VET FEE-HELP? ..............................13
1.4 How much can I borrow – what is the FEE-
HELP limit?..................................................................13
1.5 What is the FEE-HELP balance?...................14
1.6 Will I be charged interest? .............................14
1.7 Is there a loan fee?........................................14
2. APPLYING FOR A VET FEE-HELP LOAN .......16
2.1 How do I apply for VET FEE-HELP? .............16
2.2 What happens if I want to enrol in multiple
courses or I want change my course or VET provider?
17
2.3 What is the census date? ..............................17
2.4 How will I know if my application for VET FEE-
HELP is accepted? ......................................................18
3. KEEPING TRACK OF YOUR VET FEE-HELP
LOAN 19
3.1 Your Commonwealth Assistance Notice (CAN)
19
3.2 Your Commonwealth Higher Education Student
Support Number (CHESSN) and myUniAssist ...........19
3.3 Your HELP account information statement....20
4. WITHDRAWAL OR NON-COMPLETION OF
STUDIES.........................................................................21
4.1 What happens if I fail/withdraw from a unit? ..21
4.2 How do I withdraw from a unit?......................21
4.3 Special circumstances ...................................22
5. 5. REPAYING YOUR HELP DEBT ........................23
5.1 When do I start paying back the loan?...........23
5.2 How much will my repayments be? ...............23
5.3 Can I make a voluntary repayment?..............24
5.4 Are repayments tax deductible? ....................24
CONTACTS AND ADDITIONAL INFORMATION ...........25
Your approved VET provider .......................................25
Study Assist website (www.studyassist.gov.au) ..........25
The CSP and the HELP Handbook for 2014 ...............25
Department of Education.............................................26
Australian Taxation Office (ATO).................................26
Department of Human Services (DHS)........................26
Department of Immigration and Border Protection ......27
6. GLOSSARY
Accumulated HELP debt – The consolidated total of any
VET FEE-HELP, FEE-HELP, HECS-HELP, OS-HELP or
SA-HELP debts you have incurred (including any
Australian Government study loans incurred before 2005).
Administrative date – A date (that occurs before the
census date) set by approved providers for students to
complete various requirements.
Approved VET provider (VET provider) – In this
booklet, this term means an organisation that has been
approved by the Australian Government to offer VET FEE-
HELP loans to eligible students.
ATO – Australian Taxation Office.
Census date – This date is set by approved VET
providers and it is the deadline for various requirements,
like making an upfront payment, applying for a VET FEE-
HELP loan, paying your tuition fees or formally
withdrawing your enrolment in order to not incur a debt.
CAN (Commonwealth Assistance Notice) – A notice
from your approved VET provider detailing information
about the Commonwealth assistance you have used for
the study period.
CSP and HELP Handbook for 2014 – A comprehensive
handbook that contains information about Commonwealth
supported places (subsidised higher education places)
and the various HELP loans available to assist eligible
tertiary students with paying for their study.
EFTSL (equivalent full-time student load) – How your
study load is measured. One EFTSL is the load you will
have when studying full-time for a year.
FEE-HELP – An Australian Government loan scheme to
assist eligible fee paying students undertaking higher
education courses, at approved providers, with paying
their tuition fees.
7. FEE-HELP balance – The amount of VET FEE-HELP
(and FEE-HELP) you have left to use before reaching the
FEE-HELP limit.
FEE-HELP limit – The maximum amount of
VET FEE-HELP (and FEE-HELP) you can use over your
lifetime.
Fee paying/fee for service place – A place in a course
which is not a Commonwealth supported place (not
subsidised by the Australian Government) and for which
students are required to pay tuition fees.
Fee paying student – A student who is enrolled in a fee
paying/fee for service place.
HELP (Higher Education Loan Program) – A suite of
loans offered by the Australian Government that assists
eligible students with paying their tuition fees (VET FEE-
HELP or FEE-HELP), student contributions (HECS-
HELP), overseas study expenses (OS-HELP) or the
student services and amenities fee (SA-HELP). All HELP
loans are repaid through the Australian tax system.
Higher Education Support Act 2003 – The
Commonwealth legislation that specifies the requirements
to access a HELP loan (and to access a Commonwealth
supported place).
Request for VET FEE-HELP assistance – The form that
you must submit to your approved provider to apply for a
VET FEE-HELP loan.
Special circumstances – The specific requirements set
out in the Higher Education Support Act 2003 and its
associated guidelines that you must meet in order to have
your FEE-HELP balance re-credited and your VET FEE-
HELP debt removed (or any upfront payment refunded).
Study Assist (www.studyassist.gov.au) – A website
providing information about options for financing tertiary
study, including information on student loans, lists of
approved providers and courses and information on
student income support.
8. Subsidised VET student – A student enrolled in an
eligible VET FEE-HELP course, at an approved VET
provider in a state or territory that has implemented
subsidised VET FEE-HELP arrangements.
TFN (tax file number) – Your unique identification
number from the ATO for everything tax-related, including
making repayments on your HELP debt. TFNs have nine
digits (eg 123 456 789).
Tuition fees –The fees set by approved providers that
VET students pay for their units of study. These fees are
individually set by approved VET providers and are not
regulated by the Australian Government.
VET FEE-HELP – An Australian Government loan scheme
that assists eligible students enrolled in certain higher-
level VET courses, at approved VET providers, with
paying their tuition fees.
9. TRANSITIONING TO TERTIARY
STUDY
Regardless of whether you are undertaking tertiary study for
the first time, gaining further education, up-skilling, or re-
training in a different field, moving into tertiary study is a big
step and many students can find the transition difficult. To
make the most of a tertiary education experience, speak
with student administration staff at your approved VET
provider (VET provider) for all enrolment-related matters and
to inform yourself of all the support services available to you.
Top tips for transitioning to tertiary study and HELP
loans
1) Get a TFN early!
If you want to use a VET FEE-HELP loan to pay for
your study, you must submit your valid TFN (or valid
Certificate of Application for a TFN) by the census
date – otherwise, you will not be able to use the loan
for that study period.
• If you do not have a TFN yet because you do not
have a job, you must apply to the ATO for one. See
section 2.1.
2) Be aware of your obligations.
• Find out your census date(s). Census dates are
critical to requesting a VET FEE-HELP loan/
withdrawing your enrolment without incurring a
financial debt for the unit (or academic penalty). See
section 2.3.
• Find out your VET provider’s policy for contacting
students. If its policy is to contact you by an in-house
email system (e.g. a student email account), it is your
responsibility to check your email on a regular basis,
either on campus or at your local public library. If you
cannot access a VET FEE-HELP loan/withdraw your
enrolment because you missed the census date,
claiming you did not have access to email or being
unaware that you had to check your email are not
acceptable excuses.
• Find out your VET provider’s academic probation
10. policy. If you are not progressing satisfactorily in
your course, your VET provider may choose to
cancel your enrolment, regardless of whether you
incurred a VET FEE-HELP debt/made an upfront
payment for that study.
3) You are responsible for your own education.
• Due to privacy requirements, VET providers cannot
disclose information to your spouse, parents, or
anyone else about your payment details, HELP loan,
attendance or other personal matters.
• If you remain enrolled in a unit past the census date
but choose not attend any classes or hand in any
assignments, your VET provider is not obligated to
find out why – and you will be liable to pay the tuition
fee/VET FEE-HELP debt for that unit.
4) Know who to ask for help.
• Your VET provider is your number one source of
information for all study-related queries. Student
administration staff will be able to assist you with all
enrolment and administration matters or will direct
you to the appropriate area (refer to the Contacts
section for other useful contacts).
5) Get involved!
• Most VET providers offer an orientation service for
new students, in addition to social events and various
clubs. Participating in these events are great ways to
learn your way around, meet new people and build a
support network.
• If you are studying online or by distance, social
media pages, blogs and online discussion groups are
excellent avenues for connecting with fellow
students.
11. 1. THE VET FEE-HELP LOAN
SCHEME
More information about VET FEE-HELP, including the
eligibility requirements, is available from the CSP and
HELP Handbook for 2014 at www.studyassist.gov.au.
You may be interested to know that:
• If you use a VET FEE-HELP loan, you will not have
to make any repayments in the 2013-14 income year
unless your income is $51,309 or above, and
• If there is a direct connection between your work and
your study at the time, you may be able to claim your
tuition fees as a tax deduction. You must contact the
ATO for more information regarding how to claim
self-education expenses, including eligible study and
applicable caps on the amount that can be claimed.
1.1 What is VET FEE-HELP?
VET FEE-HELP is a loan scheme that helps eligible VET
students pay their tuition fees for certain higher-level VET
qualifications (refer to section 1.2).
You do not have to use a VET FEE-HELP loan to pay your
tuition fees. You can choose to pay all your tuition fees
upfront to your approved VET provider (VET provider), you
can pay some of your tuition fees upfront and use a VET
FEE-HELP loan for the rest, or you can use a VET FEE-
HELP loan for all your tuition fees (up to your FEE-HELP
limit).
1.2 Who can use VET FEE-HELP?
Eligible students
VET FEE-HELP is available to eligible VET fee paying/ fee
for service students. These students are enrolled in fee
paying places at approved VET providers, and charged
tuition fees for their studies. All approved VET providers
that can offer VET FEE-HELP loans are listed at
www.studyassist.gov.au.
12. Eligible courses
An eligible student may access VET FEE-HELP for VET
qualifications at the following levels:
• diploma;
• advanced diploma;
• graduate certificate; and
• graduate diploma.
Subsidised VET students
VET FEE-HELP is also available to eligible state or
territory subsidised VET students – who are enrolled with
an approved VET provider in a state or territory that has
implemented subsidised VET FEE-HELP arrangements.
A subsidised VET student may use VET FEE-HELP to pay
their tuition fees for VET qualifications at the following
levels:
• diploma or advanced diploma, or
• selected certificate IV qualifications that are part of
the VET FEE-HELP Certificate IV Trial.
Introduction of Certificate IV Trial
For a trial period, VET FEE-HELP loans are to be
extended to selected certificate IV qualifications in certain
states/territories.
You may be eligible to participate in the trial if you meet
the VET FEE-HELP citizenship and residency
requirements, and you must also be eligible for a
subsidised place in one of the specific courses that are
part of the trial. This trial does not extend to full fee
paying/fee for service students, regardless of whether they
are enrolled in one of the eligible courses.
The trial will be progressively rolled out to all
states/territories, and run until December 2016. Visit
www.studyassist.gov.au for more information regarding
the timelines, eligibility requirements, eligible courses and
eligible approved VET providers.
13. 1.3 What are the citizenship and
residency requirements for
VET FEE-HELP?
To access a VET FEE-HELP loan, you must meet the
eligibility requirements as specified in section 1.2 and be
either an Australian citizen or a permanent humanitarian
visa holder who is resident in Australia for the duration of
your unit.
Need to check your visa subclass?
The Visa Entitlement Verification Online (VEVO) system is
a free, online service that allows visa holders and
registered Australian organisations, such as approved
VET providers, to check the details and entitlements of a
visa. To access the VEVO service, please visit
www.immi.gov.au/vevo.
If you are not eligible for VET FEE-HELP, you will need to
confirm upfront payment dates and arrangements with
your VET provider directly. If you cannot afford to pay
your entire tuition fees upfront, you should contact your
VET provider as some may offer their own payment
options or plans.
1.4 How much can I borrow – what is the
FEE-HELP limit?
The FEE-HELP limit is the maximum amount you can
borrow under VET FEE-HELP (and FEE-HELP) over your
lifetime. The FEE-HELP limit is not reset or topped up by
any repayments that you make. If you have reached the
FEE-HELP limit (meaning the indexed amount for that
year), you are no longer eligible to access a
VET FEE-HELP (or FEE-HELP) loan.
14. In 2014, the FEE-HELP limit is $96,000 for most students.
If you are studying a medicine, dentistry or veterinary
science course that leads to provisional registration to
practise in one of those fields, your FEE-HELP limit is
$120,002. This limit is indexed on 1 January each year.
1.5 What is the FEE-HELP balance?
The FEE-HELP balance is the available amount of
VET FEE-HELP (or FEE-HELP) that you have left to use
before you reach the FEE-HELP limit. You are
responsible for keeping track of your FEE-HELP balance
and for advising your VET provider if you do not have
enough left to cover your tuition fees.
1.6 Will I be charged interest?
No. There is no interest charged on VET FEE-HELP
loans. However, your HELP debt at the ATO will be
indexed on 1 June each year to maintain its real value by
adjusting it to reflect changes in the Consumer Price
Index. Current and past indexation rates are available
from the ATO at www.ato.gov.au.
HELP debts are indexed each year in accordance with the
Higher Education Support Act 2003 (the Act). Currently
the Act provides for indexation based on changes in the
Consumer Price Index. In the 2014-15 Budget, the
Government announced its intention to change the way
HELP debts are indexed. From 1 June 2016, the
Government intends to index HELP debts using the
Treasury 10 year bond rate (to a maximum of 6.0 per cent
per annum). This change is subject to the passage of
legislation.
1.7 Is there a loan fee?
Yes. There is a 20% loan fee which is applied to
VET FEE-HELP loans for fee paying/fee for service
students. The loan fee does not count towards your
FEE-HELP limit. The loan fee is 20% of the tuition fees
charged for your units – and it is calculated for each
individual unit as you undertake your course. The loan fee
is applied to each unit that is paid for with a
VET FEE-HELP loan.
15. For example, if you are undertaking a unit that costs
$1,000, the loan fee is 20% of $1,000 = $1,200. As such,
your VET FEE-HELP debt for that unit will be the cost of
the unit ($1,000) + the loan fee ($200) = $1,200.
The loan fee is not applied to eligible subsidised
VET students studying in a state or territory that has
implemented VET FEE-HELP arrangements for
subsidised students.
16. 2. APPLYING FOR A
VET FEE-HELP LOAN
More information about applying for VET FEE-HELP,
including information on enrolling in multiple courses or at
different approved VET providers (VET providers), is
available from the CSP and HELP Handbook for 2014 at
www.studyassist.gov.au.
2.1 How do I apply for VET FEE-HELP?
To apply for VET FEE-HELP you must submit a valid
Request for VET FEE-HELP assistance form to your VET
provider by the census date. If you do not submit the form
by the census date for your first unit of study, you will
have to wait until the next study period (e.g. the semester
or trimester) to request a VET FEE-HELP loan for future
study – retrospective access to VET FEE-HELP is not
allowed under any circumstances. Many VET providers
will allow you to submit a specific electronic version of the
form online. Check with the student
administration/enrolments office at your VET provider if
you are unsure about whether to submit a paper or
electronic form.
If you want to use a VET FEE-HELP loan to pay for your
study, you must submit your valid TFN, even if you do not
have a job. This is because repayments on your HELP
debt are made through the Australian taxation system. If
you do not provide your own TFN or you provide an
incorrect one, your form will not be valid and you will not
be able to use a VET FEE-HELP loan for that study
period.
If you do not have a TFN, you will need to apply to the
ATO for one. When you do so, the ATO will, on request,
supply you with a Certificate of application for a TFN.
Even before you receive your TFN from the ATO, you can
attach your certificate to your Request for VET FEE-HELP
assistance form as proof that you have applied for a TFN.
If your form does not have your TFN or the certificate
attached to it, will not be valid and you will not be eligible
17. for VET FEE-HELP. You must advise your provider of
your TFN within 21 days of receiving it.
You must keep your TFN secure. Do not provide your
TFN if you are only enquiring about a course. Only
provide your TFN or the certificate on the actual Request
for VET FEE-HELP assistance form (either paper or
electronic) in order to pay your tuition fees for the specific
course(s) of study in which you are enrolled.
2.2 What happens if I want to enrol in
multiple courses or I want change my
course or VET provider?
If you want to enrol in two different courses at the same
VET provider, you must submit a separate Request for
VET FEE-HELP assistance form for each course.
If you change your course or VET provider you will also
need to submit a new form for your new course or
VET provider.
You will also need to officially withdraw from any units you
have enrolled in and do not wish to continue with, by the
census date, so that you do not incur a VET FEE-HELP
debt. Withdrawal does not happen automatically when
you transfer to a new course or VET provider or when you
stop attending classes. See Chapter 4 for information on
withdrawing from your studies.
2.3 What is the census date?
The census date is the most important date for you to
know about!
The census date is the last day you can:
• submit a Request for VET FEE-HELP assistance
form to access a VET FEE-HELP loan, or
• withdraw your enrolment without incurring the cost or
debt for that unit.
As VET providers set their own census dates (within rules
set by the Australian Government), this date will vary
across units and VET providers. You must contact your
18. VET provider to confirm the census date for each unit you
enrol in and the exact deadline of the census date (i.e.
close of business etc).
What is the administrative date?
In addition to the census date, some VET providers also
set an administrative date for you to complete certain
requirements before the census date. For example, some
may want to you submit your Request for VET FEE-HELP
assistance form or withdraw your enrolment by the
administrative date so they have time to finalise your
enrolment.
If you miss the administrative date, you may have to pay a
late enrolment fee or a late withdrawal fee. However, you
can still withdraw from a unit by the census date to avoid
incurring the cost or debt for that unit.
Check with your VET provider to find out if:
• they have an administrative date;
• the census date(s) for your units of study; and
• the exact deadline of the census date (i.e. close of
business etc).
2.4 How will I know if my application for
VET FEE-HELP is accepted?
You must contact your VET provider directly for
assistance. Request for VET FEE-HELP assistance
forms are processed by VET providers and not the
Australian Government.
19. 3. KEEPING TRACK OF YOUR
VET FEE-HELP LOAN
More information about keeping track of your
VET FEE-HELP loan is available from the CSP and HELP
Handbook for 2014 at www.studyassist.gov.au.
3.1 Your Commonwealth Assistance
Notice (CAN)
Your approved VET provider (VET provider) will send you
a CAN within 28 days of the census date of each study
period that you are using Commonwealth assistance.
Your CAN will state how much you have been charged for
the units you are enrolled in and the amount of
VET FEE-HELP debt you have incurred for that study
period.
Check your CAN carefully to make sure that:
• the tuition fees on the CAN are the same as those
published on your VET provider’s website;
• the loan fee has been calculated correctly (if
applicable); and
• the CAN does not include any units you withdrew
from by the census date.
If you believe the information on your CAN is incorrect,
you have 14 days to submit a written application to your
VET provider to request a correction (some VET providers
may allow a longer correction period).
3.2 Your Commonwealth Higher
Education Student Support Number
(CHESSN) and myUniAssist
You will be allocated a CHESSN when you first apply for
admission to your VET provider (or Tertiary Admissions
Centre for higher education). Your CHESSN is a unique
identification number that remains with you during and
after your studies. It helps you, your VET provider and
the Australian Government keep up to date with
information about the Commonwealth assistance for
20. tertiary study that you have used. Your CHESSN will also
be printed on your CAN.
You can use your CHESSN and other personal identifying
details to access myUniAssist via
www.studyassist.gov.au. myUniAssist provides
information on how much Commonwealth assistance you
have received (but it will not display information related to
study undertaken before 2005). You can refer to the
FEE-HELP assisted units tab in myUniAssist to find out
how much VET FEE-HELP you have used and how much
of your FEE-HELP limit you have left.
myUniAssist is updated with details about your HELP
usage as reported by your VET provider. It is important
that you understand that your data must be verified to
ensure it is correct before your data is uploaded on
myUniAssist and reported to the ATO. Given the time lag,
you may need to add any units you have recently enrolled
in/are currently enrolled in (refer to your CAN for the
relevant study period) to the information shown on
myUniAssist to determine your actual entitlements.
myUniAssist will not provide information about the current
level of your HELP debt as repayments are made to the
ATO and myUniAssist is not updated with this information.
3.3 Your HELP account information
statement
From 2013, HELP account information statements are no
longer automatically sent out. You can phone the ATO at
any time during the year to request this statement or to
confirm the balance of your account. Be sure to have your
TFN handy when you call. The ATO will ask you for it for
security purposes before they disclose any personal
information to you.
21. 4. WITHDRAWAL OR
NON-COMPLETION OF
STUDIES
More information about withdrawal procedures and
special circumstances is available from the CSP and
HELP Handbook for 2014 at www.studyassist.gov.au.
You must also familiarise yourself with the specific
withdrawal policy at your approved VET provider (VET
provider).
4.1 What happens if I fail/withdraw from
a unit?
If you fail a unit, or withdraw from the unit after the census
date, you are still liable to pay the tuition fees of that unit,
regardless of whether you attended any classes or
handed in any assessment items.
If you used a VET FEE-HELP loan, you will incur a VET
FEE-HELP debt and if you made an upfront payment, you
are not eligible for a refund of that payment.
If you correctly withdraw from the unit by the census
date, you will not be liable to pay the cost or incur the
debt of that unit. If you have already made an upfront
payment of your tuition fees, you will receive a refund
from your VET provider.
If you failed the unit or withdrew from the unit after the
census date because you became seriously ill or because
of other special circumstances, you can apply to your VET
provider to have your FEE-HELP balance re-credited and
your HELP debt removed (or upfront payment refunded).
Contact your VET provider directly for information on the
application process.
4.2 How do I withdraw from a unit?
You need to complete your VET provider’s formal
withdrawal process for every unit that you want to
withdraw from by the census date. If the course you are
withdrawing from involves enrolment with more than one
22. VET provider, you will need to withdraw from each one
individually.
Contact your VET provider to ensure you withdraw your
enrolment by the census date and in accordance with the
required procedures to avoid incurring the cost or debt of
the unit.
4.3 Special circumstances
If you withdraw from a unit after the census date because
you become seriously ill or for other special
circumstances, you can apply to your VET provider to
have your FEE-HELP balance re-credited and your HELP
debt removed (or upfront payment refunded). There are
no provisions under the Higher Education Support Act
2003 to have your debt removed if you have already
successfully completed your unit of study.
However, if you withdrew from a unit after the census date
because you changed your mind about studying, you will
still be required to repay your HELP debt.
For your VET provider to be satisfied that special
circumstances applied to you, you must be able to prove
that the circumstances:
• were beyond your control; and
• did not make their full impact on you until on or after
the census date; and
• made it impracticable for you to complete your
unit(s) of study requirements.
Note: You need to submit your application for special
circumstances to your VET provider within 12 months of
your withdrawal day. More information about this process
and appeal procedures is available from the CSP and
HELP Handbook for 2014 at www.studyassist.gov.au.
23. 5. REPAYING YOUR HELP
DEBT
More information about HELP repayments, including how
the ATO calculates your compulsory repayment, is
available from the CSP and HELP Handbook for 2014 at
www.studyassist.gov.au.
5.1 When do I start paying back the
loan?
Your VET FEE-HELP debt becomes part of your
accumulated HELP debt. The minimum repayment
threshold for compulsory repayment is adjusted each
year. In the 2013-14 income year, you will be required to
make a compulsory repayment if your income is $51,309
or above. Repayments made through the Australian
taxation system are called compulsory repayments and
continue until you have repaid your whole debt.
5.2 How much will my repayments be?
The amount you repay each year is calculated as a
percentage of your repayment income. The repayment
percentage increases as your income increases, but is
capped at 8% of your income. The ATO will calculate
your compulsory repayment for the year and include it on
your income tax notice of assessment.
Table 1: Repayment rates for the 2013-14 income year
2013-2014 Repayment income Repayment % rate
Below $51,309 Nil
$51,309 - $57,153 4.0%
$57,154 - $62,997 4.5%
$62,998 - $66,308 5.0%
$66,309 - $71,277 5.5%
$71,278 - $77,194 6.0%
$77,195 - $81,256 6.5%
$81,257 - $89,421 7.0%
$89,422 - $95,287 7.5%
$95,288 and above 8.0%
24. 5.3 Can I make a voluntary repayment?
There are several ways you can make a voluntary
repayment, including via BPAY and credit card. For more
information on making a voluntary repayment, contact the
ATO.
At the time this booklet went to print, the Australian
Government had announced, but not legislated, changes
to the voluntary repayment arrangements (to be in effect
from 1 January 2014). Until the relevant legislation is
passed, the current arrangements apply.
Current arrangements
Voluntary repayments of $500 or more receive a 5%
bonus. This means your account will be credited with an
additional 5% of the value of your repayment, not 5% of
your outstanding debt. For example, if you make a
voluntary repayment of $500, the bonus increased the
value of your repayment so your account will be credited
with $525.
Proposed arrangements
If the proposed changes were to go through, voluntary
repayment of $500 would no longer be eligible to receive
a bonus. For example, if you made a voluntary
repayment of $500, your account would be credited with
$500 only.
5.4 Are repayments tax deductible?
Compulsory repayments are not tax deductible. Voluntary
repayments made by you or someone other than your
employer are not tax deductible. Your employer may be
able to claim a tax deduction for voluntary repayments it
makes on your behalf, but it may also be liable for fringe
benefits tax on the repayments. For more information,
contact the ATO directly.
25. CONTACTS AND ADDITIONAL
INFORMATION
Your approved VET provider
The student administration/enrolments office at your
VET provider will be able to help you with:
• enrolments;
• tuition fees;
• census dates and administrative dates;
• eligibility criteria for VET FEE-HELP;
• applying for a VET FEE-HELP loan;
• withdrawals;
• getting your FEE-HELP balance re-credited and your
HELP debt removed under special circumstances;
and
• grievance procedures for student complaints.
Study Assist website
(www.studyassist.gov.au)
The website provides information about options for
financing your tertiary study, including:
• HELP loans available in both the VET and higher
education sectors;
• courses, institutions and all other approved providers
that offer Australian Government assistance; and
• student income support and Australian Scholarships
and Awards.
The CSP and the HELP Handbook for 2014
If you are seeking more information about VET FEE-HELP
or about HELP loans in general (and subsidised
Commonwealth supported places for higher education),
this handbook provides detailed information. It is available
from the Publications page under the Helpful Resources
section at www.studyassist.gov.au.
26. Department of Education
The Department can help you with:
• VET FEE-HELP;
• other loans available under the HELP scheme; and
• other forms of Australian Government assistance.
Contact details:
• visit www.studyassist.gov.au (you can submit an
online query from this website too);
• call the student enquiry line on 13 38 73
(or +61 3 9938 2545 from outside Australia); or
• call the student enquiry line on 1800 554 609 TTY for
hearing or speech impaired students.
Australian Taxation Office (ATO)
The ATO can help you with:
• your accumulated HELP debt;
• compulsory repayments; and
• voluntary repayments.
Contact details:
• visit www.ato.gov.au;
• call 1300 720 092 to get the booklet Repaying your
HELP debt in 2013-2014;
• call 13 28 61 for information about your HELP
account and personal tax topics;
• call 13 36 77 TTY or 1300 555 727 TTY for hearing
or speech impaired students; or
• write to PO BOX 1032, Albury NSW 2640.
Important note: Do not send voluntary repayments to this
address.
Department of Human Services (DHS)
DHS can help you with:
Youth Allowance, Austudy, ABSTUDY and other forms of
student income support assistance.
27. Contact details:
• visit www.humanservices.gov.au;
• call Youth and Student Services on 13 24 90 for
information on Youth Allowance, Austudy and
Pensioner Education Supplement;
• Freecall™ 1800 132 317 for information on
• ABSTUDY;
• call 1800 810 586 for other payment enquiries; or
• call 13 12 02 for information in languages other than
English.
Department of Immigration and Border
Protection
The Department can help you with:
• visas and Australian citizenship.
Contact details:
• visit www.immi.gov.au for visa information;
• visit www.citizenship.gov.au for citizenship
information;
• call 13 18 81 for visa enquiries; or
• call 13 18 80 for citizenship enquiries.