Fees & Payments

Thanks for your interest in studying at ACAP.

Read about our course fees for both Domestic and International students and other related costs and financial assistance.

Tuition Fees and Payments

ACAP offers a range of tuition fee payment options such as FEE-HELP, VET Student Loan (VSL) and Full Upfront Payments.

You can select a payment option during the admission process, and if your circumstances change, you can request to change this method during your studies. Please note that the fees listed are indicative total course fees. Pricing of each unit of study may increase from time-to-time and does not take into account personal circumstances such as recognition of prior learning, credit or repeating a unit.


You should familiarise yourself with key dates, particularly the census date. The census date is important as it is the last day you can:

  • submit your form to access a FEE-HELP or VSL loan, or
  • withdraw/cancel your enrolment in your course in full or in part without incurring the cost, debt, academic penalty for any currently enrolled subject or unit (see Enrolment Rules for procedures on varying, withdrawing or cancelling your enrolment).

This date varies across courses and trimesters. You can view the Census Dates on ACAP’s key dates page.

Census date is your last opportunity to withdraw from your course without facing financial or academic penalty. To withdraw prior to census:

Image of a desk with calculator and little porcelain pig statue.

2023 Fee Schedule

The Fee Schedule is a guide to course and unit fees. It outlines each ACAP course on offer, including information on units, student load and credit points. It also includes fee information for higher education courses. Courses may not be available at all campuses, or in all trimesters. For full information about courses, please refer to course pages.

Note: The fees contained in the 2023 Fee Schedule are preliminary and are subject to change prior to December 2022.

Student Tuition Fees and Payments

Domestic Student Tuition Fees and Payments

A Domestic student is a student who is an Australian citizen, a New Zealand citizen, an Australian Permanent Resident or the holder of an Australian permanent humanitarian visa.

Tuition fee payment options for Domestic students include the following:

  • Upfront payment of fees due at the start of a program or course.
  • Payment of remaining fees as outlined in the tuition fee invoice issued each trimester, due by the first day of that trimester.
  • FEE-HELP and VET Student Loan (for approved programs and eligible students only).
2022 Domestic and International Fee Schedule
2023 Domestic and International Fee Schedule

International Student Tuition Fees and Payments

An International Student is a holder of an International Student Visa. Tuition fee payment options for International students include the following:

  • First trimester tuition fees should be paid at the time of lodging the student admission agreement. An eCoE will then be issued on receipt of the first instalment.
  • Payment of remaining fees as outlined in the tuition fee invoice, issued each study period, is due by the first day of that study period.
2022 Domestic and International Fee Schedule
2023 Domestic and International Fee Schedule

Non-Tuition (Administration) Fees:

  • Enrolment Fees (A one-off non-refundable fee for international student applications only): $250
  • Official Statement of Attainment: $30 per copy
  • Official Statement of Results: $30 per copy
  • Replacement Testamur: $30 per copy
  • Overseas Student Health Cover (OSHC): This applies to international students and will depend on the health care provider.
  • Library fees: Refer to libguides.navitas.com/fines



A Provisional Invoice is available on the Student Portal under the Documentation – Financial. You can view your current balance on Invoices & Payment Options before you make a payment.

There are a few ways that students can pay their fees:

Domestic money transfer

International money transfer

  • Wire transfer (through Convera).

ACAP is partnered with Convera to make it easy for international students to pay tuition fees online. Convera’s platform is trusted more than 700 education institutions worldwide to enable payments in 140+ currencies in over 200 countries and territories.


What is FEE-HELP?

FEE-HELP is a Commonwealth Government loan available to eligible students enrolled in ACAP’s Higher Education courses to help pay part or all of their tuition fees. A 20% loan fee (from 25% prior to 2022) applies to undergraduate courses that lead to the award of a higher education diploma, advanced diploma, associate degree or a bachelor degree (pass, honours, or graduate entry). The Australian Government has extended the FEE-HELP loan fee exemption to 31 December 2022. This means that the loan fee amounts will be removed from students’ combined HELP debt statements for any units with a census date in 2022. From January 1, 2023, the 20 % loan fee will apply to most students who pay for their undergraduate courses with a FEE-HELP loan.

Detailed information, the 2022 HELP factsheets and the HELP Booklets about accessing FEE-HELP are available at the Study Assist website.

Who is entitled to FEE-HELP?

To be entitled, students must be:

  • an Australian citizen and study at least part of your course in Australia
  • a New Zealand Special Category visa (SCV) holder or permanent humanitarian visa holder and meet the residency requirements
  • a permanent visa holder who is undertaking bridging study for overseas-trained professionals and will be a resident in Australia for the duration of the study
  • enrolled in an eligible unit of study by the census date for that unit
  • maintain a 50% Pass rate of their units
  • have an available HELP balance

What is a lifetime loan limit?

The lifetime loan limit is the total amount you can incur in your lifetime under any Commonwealth student loan scheme, whether Higher Education FEE-HELP or a VET Student Loan. It is indexed each year in line with the Consumer Price Index (CPI). For example, in 2022, the lifetime loan limit is $109,206 for most students.

You can check your HELP balance on myHELPbalance.

A student will commence repaying any FEE-HELP loan through the Australian Taxation Office once their income reaches the minimum threshold for compulsory repayment ($47,014 per annum 2021-2022). Click for more information on loan repayment.

How to apply for FEE-HELP?

To apply for FEE-HELP, you will need to read the FEE-HELP information booklet.  The booklet offers students information about each of the HELP loans under HELP Fact sheets.

If you are eligible and would like to defer your fees through FEE-HELP, you need to complete the online form via the eCAF system before the census date. eCAF applications will be emailed to students once the enrolment process is complete and all eligibility documents provided.

If you wish to apply, please contact and advise the Admissions Team via email [email protected].

Unique Student Identifier (USI)

The Unique Student Identifier (USI) is a reference number made up of ten numbers and letters and will stay with you for life.

If you are commencing your studies in 2021, you will need to provide your USI as part of your enrolment process. In addition, if you seek Commonwealth financial assistance (FEE-HELP), you must provide your USI on your electronic Commonwealth Assistance Form (eCAF).

From 1 January 2023, all students must have a USI to graduate and receive their qualification or statement of attainment. This includes all students who started before 2021, as well as all international students studying onshore.

It is free and easy to create your USI. Please visit the Unique Student Identifier website to get your USI.


The Commonwealth Government’s VET Student Loans (VSL) scheme has replaced the VET FEE-HELP scheme for all students commencing their studies in a VET Diploma course in 2017 and after that.

What are VET Student Loans?

The VET Student Loans assists eligible students in approved higher-level (diploma and above) vocational education and training (VET) courses. There is a loan fee of 20% for full fee-paying students.

The program also features loan caps for course loans. This means if your fees are above the loan cap, you will need to pay the difference. Please note that loan caps are indexed annually under the VET Student Loans Act 2016.

Am I eligible?

To be eligible, you must either:

  • be an Australian citizen, or
  • hold an eligible permanent humanitarian visa and usually reside in Australia, or
  • be a New Zealand Special Category visa (SCV) holder or permanent humanitarian visa holder and meet the residency requirements

You must also:

How do I apply?

You will need to read the VET Student Loans Information Booklet before applying for a VET Student Loan.

If you are eligible and would like to defer your fees through VET Student Loan, you need to complete the online form via the eCAF system before the census date. eCAF applications will be emailed to students once the enrolment process is complete and all eligibility documents provided.

If you wish to apply please contact and advise the Admissions Team via email [email protected].

VET Student Loan engagement and progression

Students with VET student loans are required to demonstrate continued engagement and participation in your course by periodically completing a progression form. If you do not complete the form and survey within the required time, you may be ineligible to continue accessing VET Student Loans to pay for the remainder of your course tuition fees.

Further information regarding the VET Student Loan engagement and progression process is available on the Department of Education, Skills and Employment website.


ACAP accepts full or partial upfront payment of your trimester tuition fees by direct bank deposit, BPAY or credit card. The amount payable will be included on your invoice each term and must be paid in full before the commencement of each trimester.

Failure to pay tuition fees by the due date will impact your ability to continue to study. Also, any unpaid tuition fees may affect international students’ confirmation of enrolment (CoE) and student visa status with the Department of Home Affairs.

Please note you will not be eligible to graduate until you have completed all required course components (see course structure information provided on the ACAP website for your course) and have no outstanding debts with us.

Administrative or Other Fees (Non-Tuition Fees)

  • Enrolment Fee (one-off, international students only): $250

A non-refundable enrolment fee is payable with all international student applications.


ACAP offers a range of scholarships each year to assist students in paying part or all of their tuition fees. Eligible students must be Australian citizens or holders of a permanent humanitarian visa. Click here to find out more about ACAP’s scholarships and to access the application form.

ACAP encourages you to read more information about the Australian Government’s Tertiary Access Payment (TAP), Rural and Regional Enterprise Scholarships and Destination Australia Scholarships that you may be eligible for.

Centrelink Student Income Support

Local students (i.e. not on a temporary entry visa) may be eligible for student income support from Centrelink. Centrelink is the official Australian Commonwealth Government agency that assesses income, administers payments and ensures adequate distribution of information on benefits, allowances and pension payments as per the Social Security Laws.

Centrelink Income Support Assistance programs for students include Youth Allowance, Austudy and ABSTUDY. For further information, contact your local Centrelink.

Refund and Fee Remission

Students can apply for a refund of upfront tuition fees and, or remission of FEE-HELP/VET Student Loan under special circumstances.

This application is only relevant to modules that have not been completed. You cannot apply for re-credit or refund under special circumstances if you have completed the module. Click here to find how to cancel your HELP debt under ‘special circumstances’.

It would help if you also familiarise yourself with ACAP’s Tuition Fee and Refund Policy and Re-crediting of HELP Balance Policy and Procedure.

Tuition Assurance

Tuition Protection protects all domestic students at private higher education providers against default, whether the students pay their own fees up-front or use a HELP loan to pay for their studies. A default is where the provider closes, stops offering a course or unit of study, or fails to start a course or unit of study that has been paid for.

The Tuition Protection Service (TPS) assists students to continue their studies or receive a refund of their tuition fees or have their HELP balance re-credited if they used a HECS-HELP or FEE-HELP loan to pay for their studies.

For information about higher education tuition protection refer to our Statement of Tuition Assurance – Higher Education.

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