Great news for SAE students accessing FEE-HELP or VET Student Loans (VSL) to help fund their studies between now and mid next year (2021)! You will be exempt from paying the 25% FEE-HELP loan fee – or 20% VSL loan fee – until 30 June 2021.
The exemption was extended as part of the Australian Government’s COVID-19 Higher Education Relief Package. Click here for more information.
Please refer to the following documents for more information on SAE course fees:
COURSES | Postgraduate | Undergraduate | Associate Degree | Diploma
AUDIO | ANIMATION | CREATIVE INDUSTRIES | DESIGN | FILM | GAMES | WEB & MOBILE
2021 Australian SAE Courses Fee Schedule - New commencing and continuing Students
2021 Bachelor and Associate Degree of Songwriting and Music Production - New commencing and continuing Students
VET DIPLOMA COURSES
2021 Australian VET & Certificate Courses Fee Schedule
2021 Australian SAE Postgraduate Programs Fee Schedule
2021 International Courses Fee Schedule - New, Commencing and Continuing Students
2021 International SAE Postgraduate Programs Fee Schedule
What course fees do FEE-HELP and VET STUDENT LOANS cover?
Eligible students studying HE Diplomas, Associate Degrees or Bachelor courses can borrow up to the FEE-HELP limit to pay their tuition fees for courses. For students studying VET Diplomas, the maximum VET Student Loan amount for SAE courses can be identified at the Department of Skills, Education and Employment website. Please review the SAE fee schedules above for more information regarding tuition fees. It is also recommended that all students review the SAE tuition fees policy and procedures, which includes the SAE withdrawal policy.
All fees listed are indicative of maximum price and subject to annual increases.
An indicative maximum fee is a guide as to what the actual tuition fee will be. The actual tuition fee is not calculated until enrolment is completed.
A copy of the Fee Schedule for past years can be obtained by contacting your campus. Please click through to identify your campus and appropriate telephone number.
Statement of Tuition Assurance
Please follow these links to download our Statement of Tuition Assurance for Higher Education Courses and VET Courses:
SAE Creative Media Institute offers a range of payment options for students.
Fee options for Diplomas, Associate degrees and higher qualifications
SAE offers Diploma's, Associate Degrees, Bachelors and Masters programs that as Higher Education qualifications are eligible for full fee funding assistance under FEE-HELP.
- All Master program offerings.
- All Bachelor program offerings.
- All Associate Degree program offerings.
- These Diploma program offerings:
- Diploma of Game Development
- Diploma of 3D Animation
- Diploma of Music Production
- Diploma of Audio Production
- Diploma of Graphic Design
- Diploma of Film
Eligible students can access FEE-HELP where they can apply for an Australian Government loan and start making repayments (through tax) when they are earning more than $46,620 per year (as per the 2020/21 financial year). Approved students can begin study without having to pay up-front fees.
FEE-HELP is a personal debt obligation that can affect your credit rating and have wage and tax repayment implications.
Detailed information about accessing FEE-HELP is available at the Study Assist website.
The first trimester of tuition fees must be paid on initial registration. Please contact email@example.com for further registration information. All further tuition fees are paid in instalments prior to the commencement of each subsequent trimester.
SAE is listed as an approved provider under the Commonwealth of Australia Higher Education Support Act 2003. This means our courses including masters, bachelor and associate degrees attract FEE-HELP for Australian students.
Fees are processed on the census date of each trimester, based on the module/ unit price as listed in our current Fee Schedules.
Who is eligible for FEE-HELP?
A student is eligible for FEE-HELP if they:
- meet the citizenship and residency requirements
- are an Australian citizen who will undertake, in Australia, at least one unit of study contributing to your course; OR
- are a permanent humanitarian visa holder who will be resident in Australia for the duration of your unit; OR
- are a permanent visa holder who is undertaking bridging study for overseas-trained professionals, and will be resident in Australia for the duration of the study;
- are enrolled in an eligible unit of study by the census date for that unit; and have not exceeded the FEE‑HELP limit.
- *Maintain a 50% Pass rate of their modules
*For more information on pass rate requirements please refer to the FEE-HELP Information booklet for your current year of study.
How to apply for FEE-HELP?
To apply for a FEE-HELP loan, a student will need a tax file number (TFN) and to complete the online form via the eCAF system. eCAF invitations are emailed to students prior to commencement. If you don't have a TFN, a student can submit a certificate of application for a TFN during the eCAF application process. This certificate is available from the Australian Taxation Office (ATO) after an application for a TFN has been received. Please be sure to follow all the steps when applying for a TFN, applying online is just the first step. Contact the ATO on 13 28 61 for TFN information.
From 1st of January 2021, all new students applying for Commonwealth Financial Assistance (VSL, HECS-HELP, FEE-HELP, OS-HELP, SA-HELP) will need to provide their USI on their Commonwealth Assistance Form (CAF or eCAF) prior to census date. This also includes all on-shore international students.
A USI - Unique Student Identifier is a reference number that creates an online record of your training and qualifications attained in Australia.
To create a new USI or find your existing USI please visit the USI website.
Students must submit their eCAF application before the census date. If a student does not submit the form on or before the census date, the student will not be eligible for a FEE-HELP loan.
Note: Students have six weeks from the census date of a unit to correct any errors to their enrolment that would prevent them from being eligible for FEE-HELP.
For important information on the census and administrative dates, as well as further information on deadlines and withdrawals.
Will previous study or other debts affect eligibility?
No (unless a student has already reached the FEE-HELP limit). Any previous study a student has undertaken, and any other financial debts a student may have incurred will not affect their eligibility to access a FEE-HELP loan. As long as a student meets the eligibility criteria and has enough of their FEE-HELP balance left to cover tuition fees, a student will be able to access FEE-HELP.
What course fees do FEE-HELP and VET STUDENT LOANS cover?
Eligible students studying HE Diplomas, Associate, Bachelor and Postgraduate Degree courses can borrow up to the FEE-HELP limit to pay their tuition fees for courses.
Tuition fees are processed on the census date of each trimester, based on the module/ unit price as listed in our current Fee Schedules.
Lifetime Loan Limit
The lifetime loan limit is the total amount you can incur in your lifetime under any Commonwealth student loan scheme – whether it is Higher Education FEE-HELP, VET Student Loans or a VET Student Loan. It is indexed each year, in line with the Consumer Price Index (CPI). In 2021, the lifetime loan limit is $108,232 for most students. Students can view their loan obligations by logging into myUniAssist on the Study Assist website(opens new window). You will need your Commonwealth Higher Education Student Support Number (CHESSN) to log in.
If you get a FEE-HELP loan to pay for your undergraduate course, you will have to pay a 25% loan fee*
*The loan fee does not count towards your FEE-HELP limit.
Click for more information on FEE-HELP.
Fee Options for VET Diploma programs
VET Student Loans
SAE students studying VET Diplomas may be eligible for funding assistance with VET Student Loans (VSL*).
Students are eligible for a VET Student Loan if they:
- are enrolled in a VET Student Loans approved course offered by a VET Student Loans provider;
- meet citizenship/residency requirements;
- have a FEE-HELP balance of more than $0; and
- meet student entry requirements.
Eligible VET Diploma programs are:
- CUA50815 Diploma of Music Industry (Studio Production)
- CUA50815 Diploma of Music Industry (Electronic Music Production)
- CUA51015 Diploma of Screen & Media (Creative Industries)
Eligible students can access VET Student Loans where they can apply for an Australian Government loan and start making repayments (through tax) when they are earning more than $46,620 per year (as per the 2020/21 financial year).
*From 1 January 2017, The Australian Governments VET FEE-HELP scheme has been replaced by the VET Student Loans (VSL) scheme. For detailed information regarding the VET Student Loan scheme you can visit the Department of Education and Training website or access the 2019 VET Student Loan Information Booklet provided by the Department.
A VET Student Loan is a personal debt obligation that can affect your credit rating and have wage and tax repayment implications. It is also important to understand that a VET Student Loan gives rise to a HELP debt that continues to be a debt due to the Commonwealth until it is repaid. It is important to remember the following:
- the loan will remain a personal debt until it is repaid to the Commonwealth; and
- the loan may, until the debt is repaid, reduce a student’s take-home (after-tax) wage or salary and may reduce the student’s borrowing capacity; and
- a student may wish to seek independent financial advice before applying for a loan.
VET Student Loans will not be approved for students who do not meet eligibility requirements. For more information on eligibility requirements, visit the Department of Education and Training website.
SAE VET Diplomas, are currently listed as approved and eligible for funding assistance under the new VSL program with the loan funding capped at $10,342 per course.
Fee Options for VET Certificate and Short Courses
VET Certificate - Domestic Students
Tuition assistance is not available for VET Certificate programs.* To help manage the costs of your study, fees are payable via a staggered payment plan over the length of the course. The first payment is made on or prior to the due date on the invoice, with installments of a specific amount to be made as per the payment plan. Students are required to sign a “Payment Plan Agreement”, where the student agrees to pay the fees by specific dates and acknowledges the terms and conditions of the agreement. Further information on specific payment plan options will be advised upon enrolment.
Please note: SAE is unable to accept more than $1,500 in prepaid fees upfront and all payment plan options must satisfy this criteria.
* Note for Certificate III in Music Industry applicants in Byron Bay, this training is subsidised by the NSW Government. Prospective students are encouraged to visit the Smart and Skilled website for further criteria on eligibility and subsidies available.
Short Course Programs - Domestic Students
Tuition assistance is unavailable for Short Course programs and fees are due upfront on or prior to the due date of the invoice.
Visa conditions may or may not allow international students to study certificate level or short courses with SAE. Please contact firstname.lastname@example.org for further information.
New Zealand Special Category Visa (NZ SCV) holders HELP loans
In December 2015, the Australian Government passed legislation to allow certain NZ SCV holders access to HELP loans from 1 January 2016.
To be eligible, NZ SCV holders are required to meet a range of long term residency requirements.
These requirements are:
- that the student arrived in Australia at least 10 years ago as a dependent child (i.e. aged under 18 years of age and did not have a spouse or de-facto partner); and
- the student has been ordinarily resident in Australia for the previous 10 years (that is, they have been here for the last 10 years – including resident for eight of the last 10 years, and 18 months of the last two years), and;
- the student is otherwise eligible for HELP.
To get the specific dates for your movements in and out of Australia, request your International Movement Records by completing this form (free of charge). Download the form here.
For more information on HELP loans for NZ SCV holders, including clarification on whether you hold a NZ SCV, please visit: https://www.studyassist.gov.au/citizenship-status/new-zealand-special-category-visa
How to Pay Fees
Fee Paying Students
Applicants may elect to pay fees using one of the following methods:
- Cheque or Australian Money Order payable to SAE Institute Pty Ltd
- Visa or Mastercard
- Electronic Transfer* or Direct Deposit* to the SAE Institute account:
Account Name: SAE Institute Pty Limited
Bank: Westpac Banking Corporation
Address: 109 St Georges Terrace. Perth WA 6000 Australia
Account Number: 742586
For international transfers please use the SWIFT Code: WPACAU2S
*Please include surname and student/applicant number in the subject field to ensure we can identify payment with the correct applicant.
More about VET Student Loans
VET STUDENT LOANS
SAE's VET Diploma programs are approved for funding under the VET Student Loan (VSL) scheme which applies to all eligible domestic students commencing an SAE VET Diploma.
For more information on the VET Student Loan scheme, you can visit the:
If you are considering applying for a VET Student Loan, you should familiarise yourself with your obligations by reading the VET Student Loan Information Booklet.
Who is eligible for a VET Student Loan?
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 citizen on Special Category Visa (SCV subclass 444) who meets the long-term residency requirements.
- * Holders of other permanent visas and temporary visas are NOT eligible for a VET Student Loan
How to apply for a VET Student Loan?
Request for a VET Student Loan
If you wish to apply for a VET Student Loan at the time of enrolment, you can indicate this when you complete your Enrolment Form.
Once you commence, you will be invited to complete a Request for a VET Student Loan eCAF (electronic Commonwealth Assistance Form) by the census day. You will then receive an email from the Commonwealth allowing you access to their eCAF system where you will need to verify the pre-populated information and complete the mandatory fields.
You will need to show your engagement with your training course and course progression by completing an eCAF every four months. Failure to complete an eCAF may result in your VET Student Loan being canceled.
If you do not complete the eCAF, or other permitted form, by the required date for your course, you will have to wait until the next trimester to request a VET Student Loan for future study. Retrospective access to VET Student Loans is not allowed under any circumstances.
Students under the age of 18
If you are under 18 years of age, a parent or guardian must co-sign the form. However, this is not necessary if you have been assessed by Centrelink as meeting the requirements for receiving the independent rate of Youth Allowance under part 2.11 of the Social Security Act 1991. You will need to provide evidence of this assessment in the form of your Centrelink Income Statement, which you can request by logging into myGov and selecting your Centrelink online account. For more information, visit www.humanservices.gov.au.
You will need the following:
- a tax file number or be applying for one
- a Unique Student Identifier (USI)
- meet the academic suitability requirements of the program you're enrolling into
- not have exceeded your lifetime Commonwealth student loan limit.
What is a Unique Student Identifier (USI)?
The Commonwealth requires all students studying in a nationally recognised training course to have a USI. If you already have one, please ensure you use this same USI whenever you enrol for any training.
If you don't have a USI, go to usi.gov.au to register before you apply to enrol, or you can apply as part of your enrolment.
VET Student Loan fees
Fees are processed on the census date of each trimester, based on the module/ unit price as listed in our current Fee Schedules.
VET Student Loan Invoicing
Fees are charged by study periods. Your payments will be spread across the duration of your course. Each study period has a census day, set at no less than 20% into the study period.
You will be sent an Invoice Notice 14 days before each census day, indicating your fees and census dates. Your debt is incurred on the day after the census day. After a census day has passed, SAE will also send you a Commonwealth Assistance Notice (CAN) for that study period. The CAN will provide you with information about your debt, including the loan fee if applicable. If you believe your CAN is incorrect, you should contact your college immediately.
For a few courses, there may be a gap between the course fee and the loan cap that the Commonwealth will allow for your course. You will be advised of this when you enquire, and also about other payment options that may be available.
Lifetime Loan Limit
The lifetime loan limit is the total amount you can incur in your lifetime under any Commonwealth student loan scheme – whether it is Higher Education FEE-HELP, VET Student Loans or a VET Student Loan. It is indexed each year, in line with the Consumer Price Index (CPI). In 2021, the lifetime loan limit is $108,232 for most students. Students can view their loan obligations by logging into myUniAssist on the Study Assist website. You will need your Commonwealth Higher Education Student Support Number (CHESSN) to log in.
What tuition fees does VET STUDENT LOANS cover?
For eligible students studying VET Diplomas, the VET Student Loan covers the cost of the fees. Please review the SAE fee schedules for more information regarding tuition fees.
It is also recommended that all students review the SAE tuition fees policy and procedures, which includes the SAE withdrawal policy.
If students choose not to apply for VET STUDENT LOANS, students are offered the option of paying fees via a payment plan which allows for students to pay their fees via installments. The first payment must be made on or prior to the due date on the invoice, with installments of a specific amount to be made as per the payment plan. Students are required to sign a "Payment Plan Agreement", where the student agrees to pay the fees by specific dates and acknowledges the terms and conditions of the agreement. Further information on specific payment plan options will be advised upon enrolment.
Please note SAE is unable to accept more than $1,500 in prepaid fees, so all payment plan options must satisfy these criteria.
For more information on the course cap index see here:
Tuition Assurance protects the interests of current and intending students of SAE courses that lead to an accredited award in that 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 January 1 2018 and in accordance with the Department of Education and Training’s interim arrangements, SAE will be exempted from the requirement to meet VET and Higher Education tuition assurance requirements. Instead, SAE is required to comply with interim arrangements which ensure similar tuition assurance protection is provided to students. For further information about VET tuition assurance exemption refer to our Statement of Tuition Assurance for Exempt VET Student Loans Providers and our Statement of Tuition Assurance for Exempt VET FEE-HELP Providers. For information about Higher Education, tuition exemption refer to our Statement of Tuition Assurance Exemption for Higher Education .
In January 2020, the Australian Government expanded the Tuition Protection Service (TPS) for international students to include similar tuition protections for domestic students accessing a VET Student Loan (VSL), or a FEE-HELP or HECS-HELP loan at a private education provider. The VSL tuition protection arrangements commenced on 1 January 2020. Tuition protection arrangements will support VSL students, and replacement providers, if tuition protection is activated. For information about the tuition protection arrangements for FEE-HELP and HECS-HELP students, please visit education.gov.au.
SAE 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 tps.gov.au/StaticContent/Get/StudentInformation.
Refunds or Fee Remission under Special Circumstances.
You can apply for a refund of upfront tuition fees, a re-credit of a FEE HELP, or re-credit of a VET Student Loan balance in exceptional circumstances if:
- You were unable to continue studying and withdrew from the module(s) after the census date has passed, or
- You were unable to successfully complete the requirements of the module(s) to a minimum of a Pass (P).
This application is only relevant to modules that have not been successfully completed, and have either a Fail, or Withdrawn grade (WK, WF or F). You cannot apply for re-credit or refund under special circumstances if you have successfully completed the module.
Applications will not be approved where no special circumstances exist. A lack of knowledge or understanding of the FEE HELP/VSL administrative requirements/deadlines is not considered to be a special circumstance beyond a person’s control.
It is expected if you are applying for special circumstances after withdrawing from a module after census date that you have first explored all avenues prior to the decision to withdraw, such as applying for special consideration (that is, requesting deferred assessment, extensions etc.) or other support and assistance that SAE may be able to provide.
It is important to note that special circumstances may only be awarded where it was not possible to complete the module(s) to a minimum of a pass level. Not completing your module to your usual standards is not itself a reason for remission/refund.
What are Special Circumstances
Special circumstances are those that are considered to be unusual, uncommon or abnormal.
To meet special circumstances, you need to demonstrate that your circumstances meet all of the eligibility criteria:-
- were beyond your control; and
- did not make the full impact on you until on or after the census(s) of the module; and
- made it impracticable for you complete the module(s) and continue with your studies.
Special circumstances were beyond your control:
A situation occurs which a reasonable person would consider is not due to the person’s action or inaction, either direct or indirect, and for which the person is not responsible. This situation must be unusual, uncommon or abnormal. Lack of knowledge of the FEE-HELP system is not considered beyond a person’s control.
Special circumstances did not make their full impact on you until on or after the census date:
To meet this criteria the following circumstances must have occurred:-
- (i)before the census date, but worsened after that day, or
- (ii)before the census date, but the full effect or magnitude did not become apparent until after that date, or
- (iii)on or after the census date.
Special circumstances made it impracticable for you to complete the requirements of the module and continue with your studies:
To meet this criteria you will need to demonstrate it was impracticable for you to complete the requirements of the module for the study period, because you were unable, for example:
- (i)undertake the necessary private study required, or attend sufficient lecturers or tutorials, or other compulsory attendance requirements in order to meet the compulsory module requirements, or
- (ii)complete the required assessable work, or
- (iii)sit the required examinations, or complete any other course requirements.
Failure to meet any progressive course requirements of the module(s) prior to the special circumstances developing will not necessarily mean your special circumstances made it impracticable for you to complete the module(s) requirements. That is, if you needed to pass all assessment items prior to your special circumstances (e.g. medical) occurred, you could not have passed the module even if you had not fallen ill, therefore your application is likely to be declined.
Not completing your module to your usual standard is not in itself a reason for fee remission in special circumstances.
You must be able to demonstrate you were unable to complete your studies in that module at a minimum of a pass level.
Examples of special circumstances
Please click the file to review examples of special circumstances and what they do not include.
How to Apply
To apply, you will need to complete the relevant forms.
Domestic application form
International application form
On this form, you will need to provide a personal statement explaining your circumstances and how they meet the requirements of ‘special circumstances’ as detailed above. You will need to meet and address all three special circumstances detailed. This personal statement should include sufficient detail to allow us to make an informed decision about your application and circumstances.
You will also need to include relevant supporting documentation to support your application. Your application will be considered primarily on these supporting documents, so it is important your application includes these documents.
Depending on your reasons for applying you will need to provide varying independent supporting documentation. Please note: statements from family members are not considered independent and will not be accepted. Please read information on what types of documentation to include depending on your circumstance.
Please submit your completed application directly through to email@example.com or hand the completed documents into Student Services at your local campus.
Alternatively you can post the completed application to:-
c/o National Student Finance
SAE Creative Media Institute
373-391 Ewingsdale Road
Byron Bay, NSW, 2481
How your application will be assessed
SAE Institute will assess your application in accordance with the requirements of the Higher Education Support Act 2003 and associated guidelines. Your application will be considered on its merits and the supporting application must be of sufficient detail to the Student Fees Team to make an informed decision regarding your application.
We recognise that your application may include sensitive personal information. The information you provide is used only for the purpose of enabling a small central team of staff to make a decision about your application.
You will be notified of the outcome of your application within 28 days of the completed application being received by the Student Fees Team. The Fees Team may contact you to request additional supporting information if the application does not include sufficient information for the Fees Team to make a decision.
Time-frame for applications
You will need to apply for special circumstances within 12 months of the following dates:
- The date you withdrew from the course, if you withdrew from it, or
- The end-date of the relevant study period, if you didn’t withdraw.
Applications submitted more than 12 months after the relevant date will not be considered.
The Institute may consider waiving the application period, in accordance with HESA, if it is deemed not possible for the application to have been made within the 12 month period. Additional supporting documents will be required. Lack of knowledge of the debt is not considered reason itself as to why you could not submit an application.
What supporting documentation to include
It is most important to provide independent supporting documentation to support your application. It is not sufficient to provide only a personal statement outlining your special circumstances.
Please note, SAE Institute may contact any professional authority who has supported your application, to verify any information they have provided.
Your application, personal statement and any supporting documents must be in English. An official translation in English must be included with your application for any supporting documentation issued in another language.
Please find the list of supporting documentation here
Outcomes of the Application Process
You will be notified of the outcome of your application within 28 calendar days of the date the application was received by SAE Institute. The Notice of Decision will be sent to your student email and contain the following:-
- the outcome of your application;
- reasons for the decision
- How to apply for a review (if application is refused)
If your fee remission is approved the process applied for the re-crediting or remission of financial liability will depend on your fee type and the method of payment used;
Fee-Help Loan Students: Students who incurred a FEE-HELP debt will have their debt removed (including any amounts incurred due to indexation) and their FEE-HELP balance re-credited. Students may check if the debt has been cancelled by logging into myUniAssist with your Commonwealth Higher Education Student Support Number (CHESSN). You can find your CHESSN on your Commonwealth Assistance Notice (CAN).
You will be provided with an amended Commonwealth Assistance Notice for the relevant study period.
Upfront Fee Paying Students: Students who have paid tuition fees upfront will have this amount credited to their student account. Where a student requires a refund of monies rather than a credit towards future study, the student will need to complete the Refund Application Form.
Rejected Applications and Appeals:
If your application is rejected (i.e. we do not refund your FEE-HELP) and you’re not satisfied with the decision, you may apply for a review of the decision within 28 calendar days after you first received the decision on your application.
You will need to send your appeal c/o Director of Finance, to firstname.lastname@example.org and you will need to include the following information:-
- Your grounds for requesting a reconsideration of the decision; and
- Any additional supporting documentation you may wish to include in support of your appeal
We will advise you in writing of the receipt of the appeal. Your request will be reviewed by an independent Senior Officer of the Institute.
You will usually be notified of a decision within 28 days (in most cases) of the result of your appeal.
If your appeal application outcome is reviewed and you’re still dissatisfied, you can apply to the Administrative Appeals Tribunal for a further review of the decision (this does not apply to full fee-paying students or international students). This must be lodged with the AAT within 28 days of receiving the notice of the decision.
SAE Creative Media Institute is able to offer HECS-HELP approved placements for eligible students enrolling in the Undergraduate Certificate in Augmented and Virtual Reality Application Development or the Graduate Certificate in Emerging Technologies, as part of the Commonwealth Grant Scheme.
- be studying in a Commonwealth supported place;
- be an Australian citizen and meet the residency requirements (you must study at least part of your course in Australia);
- be a New Zealand Special Category Visa (SCV) holder or permanent humanitarian visa holder and meet the residency requirements;
- submit the Request for Commonwealth support and HECS-HELP form to your provider by the census date;
- be enrolled in each unit/subject at your provider by the census date;
- not have already borrowed up to your HELP loan limit.