VET Student Loan

VET Student Loans

Welcome to Yorke Institute’s VET STUDENT LOAN (VSL) Resource and Information Centre. The documents and information listed in the links below are accessible to all and without the provision of login information.
Yorke Institute is an approved and fully endorsed VSL provider by the Department of Education Skills and Employment (DESE).
A rigorous and extensive selection process by the Department ensures that only high quality providers and Institutions are approved to deliver the VSL Program.
The VET Student Loans (VSL) program assists eligible students who are citizens of Australia to pay their tuition fees for approved higher-level Diploma and Advanced Diploma courses that is currently on Yorke Institute’s Scope of Delivery as listed on and on the MySkills website.
For a full list of Yorke’s VET Student Loans eligible courses, download the 2022 Tuition Fee Schedule VET Student Loans – Eligible Courses and Loan Cap.
The VSL program is designed to not only provide financial support to eligible students undertaking higher level training in courses, but also addresses the critical skills shortages that many workplaces are now facing, particularly in the Aged Care, Community services, Allied Health Mental health and Disability sectors, thus creating better opportunities for employment.
Each VET Student Loan-eligible course has an associated loan cap amount. Eligible students are only entitled to loans up to the specified loan cap amount of each VET Student Loan-eligible course providing the student has not reached their maximum HELP loan limit.
Students pay back their HELP debt through the tax system once you earn above the compulsory repayment threshold. The compulsory repayment threshold is different each year. You can make a voluntary repayment to the Australian Taxation Office (ATO) at any time.
To be an eligible student for the purposes of accessing VET Student Loans, you must meet ALL of these criteria:
1. You are:
  • an Australian citizen, or
  • a qualifying New Zealand citizen (see information about NZ citizen), or
  • a permanent humanitarian visa holder, who is usually resident in Australia.
2. Your FEE-HELP balance is more than $0 and is sufficient to cover the amount you wish to access.
3.You are enrolled with an approved course provider in an approved course and have enrolled in accordance with the application requirements.
4. You are studying the approved course primarily at a campus in Australia.
5. You are studying the approved course primarily at a campus in Australia.
6. You have been assessed by your approved course provider as academically suited to undertake the approved course on the basis of 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.
In addition, your approved course provider must reasonably believe you show competence in completing the course.
  • You meet the Tax File Number (TFN) requirements.
  • You have a Unique Student Identifier (USI) or are otherwise exempt.
  • You have read the VET Student Loans information booklet.
  • You have given the required documents to your approved course provider and submitted the loan application form by the first census day no less than two business days after enrolling.
VET student loan will not be approved for the students who do not meet the eligibility requirements set by department and Yorke Institute: and
that a VET student loan gives rise to a HELP debt that continues to be a debt due to the Commonwealth until it is repaid.
Please click here for more information.


I’m keen on upskilling with Yorke for my Diploma course How will I know if I’m eligible for a VET Student Loan?

We will help assess your eligibility based on government guidelines. To help prepare for the application, you should know that you must be :
  • Be an Australian Citizen or a New Zealand Citizen with a Special Category Visa (SCV) or a Permanent Humanitarian Visa holder who will be residing in Australia for the duration of the course
  • Be studying a VET Student Loans eligible course
  • Meet student entry procedure requirements
  • Meet Tax File Number requirements
  • Present Unique Student Identifier (USI) number
  • Have not exceeded your HELP loan limit
  • Have not exceeded the VET Student Loans course cap
  • Submit a request for a VET Student Loan via the Government’s eCAF System (including all required information) on or before the first census date and no less than two (2) business days after enrolling
  • Confirm engagement and progression to continue to access the loan throughout the course

I’m a New Zealand citizen but what does a Special Category Visa (SCV) mean?

You will mee the SCV New Zealand Citizen category if you meet the following requirements :
  • First entered Australia at least 10 years ago as a dependent child aged under 18 years
  • Have been ordinarily a resident in Australia for the previous 10 years (that is, have been physically present in Australia for at least eight to of the past 10 years) and 18 months out of the last two years at the time of application for the loan, and
  • Are otherwise eligible for the loan.
New Zealand Citizens with SCV ,VET Student Loans applicants will need to provide an International Movement Record from the Department of Immigration to prove that they meet citizenship requirements as well as the above criteria.

What kind of proof of Australian citizenship is required ?

You would need to provide any of these documents
  • Current Australian Passport
  • Australian Citizenship Certificate or Naturalisation Certificate
  • Australian Citizenship by Descent extract
  • Australian Birth Certificate where you were born before 20 August, 1986 OR
  • If you were born on or after 20 August 1986 we would require your Australian Birth Certificate plus proof of your parent’s Australian Citizenship at the time of your birth.

Can I apply for VET Student Loan if I’m an Australian Permanent resident?

Unfortunately, you can’t. The VET Student loan is only accessible to Australian Citizen or a or New Zealand Citizen with a SCV or a Permanent Humanitarian Visa holder who will be residing in Australia for the duration of the course

What must I provide to access VET Student Loan

  •  a copy of a Senior Secondary Certificate of Education awarded to you by an agency or authority of a State or Territory for your completion of your Australian Year 12 (VCAL Intermediate or Senior certificate meets requirements); OR
  • an Australian Qualifications Framework (AQF) Certificate IV or higher qualification, or an overseas qualification that has been formally recognised by a Federal, State or Territory government agency which assesses overseas qualifications (or an organisation contracted to undertake such assessments such as  VETASSESS) as equivalent to an AQF level Certificate IV or higher qualification; OR
  • undertake a reading and numeracy assessment that demonstrates your competence at or above Exit Level 3 in the Australian Core Skills Framework. Access to the assessment tool will be provided by Yorke as part of our information and enrolment process; OR
  • provide an International Baccalaureate Diploma Programme (IB) Diploma.

The following information are important for you to read on VET Student Loan Resources

Yorke’s LLN Tools

As part of the Eligibility requirements for a student to access VSL, Yorke Institute uses a VSL Government approved LLN tool when assessing each and every eligible students’ academic suitability to do our courses. Yorke Institute uses the following LLN assessment tool below for use to determine a student’s academic suitability entry for access to VSL.

Safe Work Resources VFH LLN Assessment Tool v 2016 (provided via The Learning Resources Groups LLN Robot Platform)

Other resources on VET Student Loans