VET Student Loans

Important Information for GTI Students

Global Training Institute (RTO 31192) is approved to offer VET Student Loans (VSL) for selected Diploma and Advanced Diploma qualifications. This page explains what a VSL is, who is eligible, the fees involved, and your responsibilities as a student. 

What is a VET Student Loan?

A VET Student Loan is a loan from the Australian Government that helps eligible full-fee-paying students pay their tuition fees for approved courses. The loan: 
  • becomes a personal debt you must repay through the tax system
  • remains owing until fully repaid
  • may reduce your take-home pay and borrowing capacity while it is being repaid
    • You may wish to seek independent financial advice before applying. Government resource:
    VET Student Loans Information Booklet

    Approved Courses, Tuition Fees, Loan Caps & Gap Fees 

    The table below shows GTI’s approved qualifications, tuition fees, Government loan caps, any gap fees, and course duration. 

    Diploma of Business

    Course Code

    BSB50120

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Quality Auditing

    Course Code

    BSB50920

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Leadership and Management

    Course Code

    BSB50420

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Project Management

    Course Code

    BSB50820

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Human Resources Management

    Course Code

    BSB50320

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Workplace Health and Safety

    Course Code

    BSB51319

    Tuition Fee

    $6,900

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Local Government

    Course Code

    LGA50120

    Tuition Fee

    $7,680

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Diploma of Civil Construction Management

    Course Code

    RII50420

    Tuition Fee

    $9,500

    Loan Cap

    $18,838

    Gap Fee

    $0

    Duration

    9-16 months

    Census Info

    See Tuition Schedule

    Advanced Diploma of Business

    Course Code

    BSB60120

    Tuition Fee

    $8,000

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    12-24 months

    Census Info

    See Tuition Schedule

    Advanced Diploma of Leadership and Management

    Course Code

    BSB60420

    Tuition Fee

    $8,000

    Loan Cap

    $12,557

    Gap Fee

    $0

    Duration

    12-24 months

    Census Info

    See Tuition Schedule

    Advanced Diploma of Civil Construction

    Course Code

    RII60620

    Tuition Fee

    $9,972

    Loan Cap

    $18,838

    Gap Fee

    $0

    Duration

    12-24 months

    Census Info

    See Tuition Schedule

    Eligibility Summary

    To access a VET Student Loan, you must meet all eligibility requirements:Citizenship / Residency
    You must be:
    – an Australian citizen, OR
    – a qualifying New Zealand Special Category Visa holder, OR
    – a permanent humanitarian visa holder residing in Australia while studying    Age
    – Must be 18 years or older    Academic Suitability
    Provide one of the following:
    – Australian Year 12 certificate, OR
    – AQF Certificate IV or higher, OR
    – Approved LLN assessment at ACSF Exit Level 3 or above    Other Requirements
    – Verified USI
    – TFN (provided to Government through eCAF)
    – Meet GTI digital literacy requirements
    – Have enough available HELP balance

    Loan Fee (20%) 

    A 20% loan fee applies to all VSLs for full-fee-paying students. Example:
    Tuition fee: $7,680
    Loan fee (20%): $1,536
    Total VSL debt: $9,216     The loan fee does not count toward your HELP loan limit. Loan Fee Exemption:
    The 20% loan fee does not apply if you are subsidised by a state or territory government for the same course. 

    HELP Loan Limit & HELP Balance

    The loan you can access is the lower of:– the loan cap for your course, and
    – your remaining HELP balance    Check your balance via myHELPbalance.

    How to Apply for a VET Student Loan

  • Complete your GTI enrolment and provide eligibility evidence
  • Complete LLN and digital literacy checks (if required)
  • GTI submits your Loan application; you receive an eCAF link from the Government
  • Submit your eCAF no sooner than two business days after enrolment and before your first census day
  • GTI confirms your enrolment and provides course access

    • Your Responsibilities During the Course

    To continue receiving a VSL, you must:
    – keep your contact details up to date
    – stay engaged with your course
    – complete assessments as required
    – check your email for VSL notices
    – complete VSL progression forms when requested    The Department of Employment and Workplace Relations will contact you via email/SMS during your course to verify your enrolment and progression. Failure to complete progression forms may result in cancellation of your loan.

    Census Days

    A census day is the last day you can withdraw from that part of your course without incurring a VSL debt.
    – Fees are split across sequential fee periods, each with a census day
    – Your Statement of Covered Fees lists fee periods and census dates
    – Full census information is in GTI’s Tuition Schedule

    Withdrawals & Refunds

    If you withdraw on or before the census day for a fee period:
    – you will not incur a VSL debt for that part of the course
    – any tuition paid for that period will be refunded
    – no withdrawal fees apply    To withdraw, submit GTI’s withdrawal form.If you withdraw after census day, you will incur a VSL debt unless:
    – special circumstances apply; AND
    – you are granted a re-credit of your HELP balance under the VSL Act

    Tuition Protection

    If GTI cannot continue delivering your course, you will:– be placed in a replacement course, OR– receive a re-credit of your HELP balanceThis is provided under VET Student Loans Tuition Protection arrangements.

    Complaints & Appeals

    If you have a concern:
  • Raise it with GTI
  • Lodge a formal complaint if required
    If unresolved, you may contact the VET Student Loans Ombudsman (part of AFCA). See GTI’s Complaints & Appeals Policy for more information.

    • Privacy & Data Collection

    GTI must collect and share some personal information with the Commonwealth Government under the VET Student Loans Act 2016.
    See our Privacy Policy for details.

    Documents & Forms

    VET Student Loans Information Booklet (Government)Schedule of Tuition Fees & Census DatesWithdrawals, Cancellations, Deferrals and Dismissals PolicyReview and Re-credit of VET Student Loans PolicyComplaints & Appeals PolicyPrivacy Policy

    Additional policies and procedures:

    Fees, Charges and Refunds Policy and ProcedureFair Treatment and Equal Benefits and Opportunity PolicyGTI Statement of VET Tuition AssuranceAssessment Policy and Procedure

    Contact for VSL Enquiries:

    Global Training Institute (GTI)Phone: 1800 998 500Email: [email protected]RTO Code: 31192