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Government Funding

Are you thinking about furthering your education but you’re worried about the cost of doing so?

Have you heard about Government Funded courses but you’re not sure if you’re eligible or how to find out?

Just about everyone is eligible for Government Funding or financial assistance to study!!!

There are so many types of Government Funding and financial assistance that it’s difficult to know what is relevant to you.

NowLearning has brought it all together in the one place to make it easy. In this section, you will find a comprehensive guide to Government Funded/Financially Assisted education in Australia. To simplify it even further you can click on the button below and let NowLearning do the work for you.

NowLearning works closely with the top Education Providers in Australia. Once you have registered your details we analyse your responses and match you with a course provider that can access Government funding and offer you the course you want to do.

Funding Types

The Victorian Training Guarantee (VTG)

The VTG makes vocational education and training more accessible to people who do not hold a post-school qualification, or who want to gain a higher level qualification than they already hold.

There are now an unlimited number of government-subsidised training places available to people who meet the eligibility criteria.

Skills for All - South Australia

A South Australian government initiative that is changing the way vocational education and training is funded in South Australia.

South Australians now have the opportunity to gain more qualifications, many at low or no cost. Eligible individuals can access subsidised training from July 2012.

Australian Apprentices program

Commonwealth Incentives are paid to employers for eligible employees to complete nationally recognised qualifications. There are many types of funding that fall under this category including;

  • Traineeships – Existing worker
  • Traineeships – New entrant
  • Productivity Places Program (PPP)

Other Funding Programs

  • Strategic Skills Program (SSP)
  • User Choice
  • Experience + (Over 50 Funding)
  • National Workforce Development Program
  • Education Grants

Loan Schemes & Financial Assistance


FEE-HELP is a loan scheme that assists eligible fee paying students pay all or part of their tuition fees. It cannot be used for additional study costs such as accommodation or text books.

FEE-HELP applies to approved undergraduate and postgraduate courses, while VET FEE-HELP applies to approved vocational education and training (VET) courses.


  • Pay nothing upfront and start studying now
  • Almost every Australian citizen is eligible
  • You only start repaying the load when your income reaches a certain level

How does it work?

If you are eligible, you don't need to pay for your course upfront. Instead, you can borrow up to the total amount of the tuition fee charged. The Australian Government will pay the amount of the loan to the course provider on your behalf.

You have to start repaying your HELP debt through the taxation system once your repayment income is above the compulsory repayment threshold. For the 2012-13 income year, the compulsory repayment threshold is $49,095.

Who is eligible for FEE-HELP?

Almost every Australian citizen is eligible for FEE-HELP and VET FEE-HELP. Only those who have reached their FEE-HELP lifetime limits are ineligible.

Tax Deductions

If you take out a FEE-HELP or VET FEE-HELP loan to pay all or part of your tuition fees and you meet the eligibility requirements for a deduction for self-education expenses, the whole tuition fee may be deductible.

The tuition fee can be claimed in the financial year in which the expense is incurred. For example, tuition fees for study undertaken in the period July to December 2012 and January to June 2013 are claimable in the 2012-13 income year.

The loan fee or loading amount, which may be up to 25% of your tuition fee and added to your fee, is not claimable.

Expenses that you can claim for include course fees, textbooks, stationery and the depreciation of assets such as computers and printers used as part of your study.

Austudy / Abstudy / Youth Allowance

Most courses are Austudy, Abstudy and Youth Allowance-approved. These are fortnightly payments made by the government to support full-time students.

  • Austudy: for full-time students aged 25 years or over
  • Abstudy: financial assistance for indigenous Australians who undertake approved full and part time study
  • Youth Allowance: for full-time students aged 16 to 24 and people aged under 21 who are unde taking a job search or a combination of approved activities

Private Financing

Some education providers can arrange a 12-month interest-free payment plan.

Employer-sponsored Study

If you want to study something that is relevant to your job, you may be able to convince your employer to pay for part or even all of your fees.

Many businesses allocate a budget to training, which may assist you in convincing your employer to pay for your study. However, if such funding isn't readily available, you may still be able to persuade your employer to invest in you by emphasising how your new skills and knowledge will benefit the company.

Where to Now?

As you can see, there are endless funding options available to make studying more affordable.

Click the button and fill in your details to find out if you’re eligible. NowLearning will analyse your responses and match you up with a course provider that can access the appropriate form of funding for you. It’s that easy.

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