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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
https://www.dewr.gov.au/vet-student-loans/resources/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.
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.
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
How to Apply for a VET Student Loan
| Qualification | Course Code | Tuition Fee | Loan Cap | Gap Fee | Duration | Census Info |
| Diploma of Business | BSB50120 | $7,680 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Leadership and Management | BSB50420 | $7,680 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Project Management | BSB50820 | $7,680 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Human Resources Management | BSB50320 | $7,680 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Workplace Health and Safety | BSB51319 | $6,900 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Local Government | LGA50120 | $7,680 | $12,557 | $0 | 9–16 months | See Tuition Schedule |
| Diploma of Civil Construction Management | RII50420 | $9,500 | $18,838 | $0 | 9–16 months | See Tuition Schedule |
| Advanced Diploma of Business | BSB60120 | $8,000 | $12,557 | $0 | 12-24 months | See Tuition Schedule |
| Advanced Diploma of Leadership and Management | BSB60420 | $8,000 | $12,557 | $0 | 12-24 months | See Tuition Schedule |
| Advanced Diploma of Civil Construction | RII60620 | $9,972 | $18,838 | $0 | 12-24 months | See Tuition Schedule |
- 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
- Raise it with GTI
- Lodge a formal complaint if required