Fees and Payments
Thanks for your interest in studying at ACAP.
You'll find about our course fees for both Domestic and International students and other related costs and financial assistance on this page.
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.
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).
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.
Course Fee Schedule
The Fee Schedule outlines each ACAP course on offer, including information on units, student load, credit points and delivery locations. Please view the latest schedule of ACAP course fees here.
- VET Student Loan
- Upfront Payment
- Centrelink Income Support
- Refund and Fee Remission
- Tuition Assurance
You will be exempt from paying the 25% FEE-HELP loan fee until 31 December 2021. The exemption was extended as part of the Australian Government's COVID-19 Higher Education Relief Package. You can read more about this here.
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. Currently, a 25% loan fee 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). However, under the new Job-ready Graduates Package, from 1 July 2021, the loan fee will reduce to 20% for units of study with a census date on or after 1 July 2021.
Detailed information about accessing FEE-HELP is 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 modules
- 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 2021, the lifetime loan limit is $108,232 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 ($46,620 per annum 2020-2021). 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.
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 firstname.lastname@example.org.
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.
VET Student Loans
What is 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:
- intend to undertake your course primarily in Australia
- meet the academic suitability requirements (this must be assessed by ACAP as academically suited to undertake the eligible course)
- not have exceeded your lifetime Commonwealth student loan limit
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@example.com.
VET Student Loan engagement and progression
Students with VET student loan 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.
The census date is an important date for you to keep in mind. 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.
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.
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 permanent humanitarian visa. Read on to find out more about our counselling and psychology scholarships.
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
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'.
Tuition assurance protects the interests of current and intending students of ACAP courses that lead to an accredited award. It ensures students are given a suitable alternative course or have their course money refunded if the provider cannot provide the course for which the student has paid.
As of 1 January 2018 and per the Department of Education and Training's interim arrangements, ACAP will be exempted from meeting VET and Higher Education tuition assurance requirements. Instead, ACAP must comply with interim arrangements that ensure similar tuition assurance protection is provided to students.
For further information on ACAP's tuition assurance exemption, refer to Statement of Tuition Assurance- VET Policy
For information about higher education tuition exemption, refer to our Statement of Tuition Assurance Exemption for higher education.
ACAP conforms to the requirements of the Tuition Protection Service (TPS) established by the Australian Government for overseas students, which is part of the ESOS (Education Service for Overseas Students) Assurance Fund established under section 45 of the ESOS Act 2000. For further information about the Australian Government Tuition Protection Scheme (TPS) for international students refer to the Tuition Protection Services website.