OS-HELP loan scheme

OS-HELP is a loan that assists eligible students, who are based in Australia, to undertake some of their study overseas.

Students may receive funds for a six-month period for one or two overseas study periods, to assist with a range of expenses, such as airfares and accommodation.

For 2025, the maximum you can borrow for a six-month study period is;

$9,893 if you will be studying in Asia;
$8,345 (if you will not be studying in Asia); and
an additional $1,314 if you will be undertaking an Asian language study, specifically in preparation for your study in Asia.

Note that the loan for language studies must be for non-award study, which does not form part of your course/credit of your overseas study or university degree.

More information about OS-HELP at Study Assist

To be eligible for consideration for OS-HELP assistance, a student must;

be an Australian citizen, an Australian Permanent Humanitarian Visa holder or a New Zealand citizen who has been a long-term resident of Australia since childhood and meet certain eligibility criteria (see the Study Assist website for details); and
be undertaking a course of study as a Commonwealth supported student, leading to a higher education award at Flinders University; and
have successfully completed at least 36 units of study undertaken in Australia, as a Commonwealth supported student, towards the course of study for which the assistance is being sought; and
be undertaking full-time study overseas; and
have their overseas study count as credit towards their course of study; and
be required to undertake at least 4.5 units of study in order to complete their course of study on return from their overseas study.

OS-HELP assistance will not be granted to a student who;