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 

1. Complete your GTI enrolment and provide eligibility evidence
2. Complete LLN and digital literacy checks (if required) 
3. GTI submits your Loan application; you receive an eCAF link from the Government 
4. Submit your eCAF no sooner than two business days after enrolment and before your first census day 
5. 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 balance 

This is provided under VET Student Loans Tuition Protection arrangements. 

Complaints & Appeals 

If you have a concern: 

1. Raise it with GTI 
2. 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 Dates
– Withdrawals, Cancellations, Deferrals and Dismissals Policy
– Review and Re-credit of VET Student Loans Policy
– Complaints & Appeals Policy
– Privacy Policy

Additional policies and procedures:
– Fees, Charges and Refunds Policy and Procedure
– Fair Treatment and Equal Benefits and Opportunity Policy
– GTI Statement of VET Tuition Assurance
– Assessment Policy and Procedure

Contact for VSL Enquiries 

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