VET Student Loans Information

Bruce Hartwig Flying School Registered Training Organisation (RTO) Number 4439

VET student loans will not be approved for students who do not meet eligibility requirements

VET student loan gives rise to a HELP debt that continues to be a debt due to the Commonwealth until it is repaid

Our School

Bruce Hartwig Flying School (Bruce Hartwig Flying School) is a Flight Training provider that is registered with the Australian Skills Quality Authority (ASQA) as a Registered Training Organisation to deliver Vocational Education and Training (VET) services, registration number 4439.

Bruce Hartwig Flying School is a provisional VET Student Loan provider and is approved by the Federal Department of Education and Training to offer VET Student Loans to eligible students enrolled in nationally accredited courses.

It is a requirement of Bruce Hartwig Flying School that prospective students read and understand all of the information contained in this document, as well as the external sites reached by clicking on the hyperlinks contained within.  VET Student Loans are only approved for students who meet the eligibility requirements. VET Student Loans gives rise to a HELP loan debt that continues to be a debt due to the Commonwealth until it is repaid.

Prospective eligible students can apply for a VET Student Loan to help pay for their training.

VET Student Loans

The Australian Government is committed to addressing skills shortages and assisting with the cost of studying. One of the measures that achieves these goals is the availability of the VET Student Loan scheme. VET Student Loans assist eligible full-time students who are wishing to follow a career in aviation in funding the training.

Eligible students can borrow the maximum amount available to them under VET Student Loans. The maximum loan cap for each individual AVI108 Aviation Training Package course is $75,000.00.  The individual personal maximum Loan amount in 2017 is $100,879. The VET Student Loans limit is indexed on 1 January every year. Fees not classified as a tuition fees by the Australian Government are not included in the course total. A loan fee of 20% applies to full fee paying students undertaking VET Student Loans. The loan fee is applied to the amount of VET Student Loan assistance provided and this fee will be included in the students VET Student Loan debt.

Courses and Enrolment

Bruce Hartwig Flying School offer the following accredited training courses for the issue of a qualification in accordance with the AVI08 Aviation Training Package.

  • AVI50215 Diploma of Aviation (Commercial Pilot Licence-Aeroplane)

This is an integrated training course consisting of theory and flight training for students with no prior flying experience.

The maximum cost of the course is $83,423. VET Student Loans up to the maximum Cap of $75,000 are available for eligible students wishing to undertake the AVI50215 Diploma of Aviation (Commercial Pilot Licence-Aeroplane). Please note that the total cost of this course is in excess of the maximum VET Student Loan amount of $75,000 which requires the prospective student to self-fund the gap of $8,423.

  • AVI50415 Diploma of Aviation (Instrument Rating)

This is an integrated training course consisting of theory and flight training for students with Commercial Pilots Licence. (CPL)

VET Student Loans for the AVI50415 Diploma of Aviation (Instrument Rating) course are currently not available through the school.  There are a range of self-funded options available.

  • AVI50408 Diploma of Aviation (Instrument Flight Operations)

This is an integrated training course consisting of theory and flight training for students with Commercial Pilots Licence. (CPL). This course is no longer offered and is in teach out phase.

VET Student Loans for the AVI50408 Diploma of Aviation (Instrument Flight Operations) course are currently not available through the school. There are a range of self-funded options available.

  • AVI50510 Diploma of Aviation (Flight Instructor)

This is an integrated training course consisting of theory and flight training for students with Commercial Pilots Licence. (CPL). This course is no longer offered and is in teach out phase

VET Student Loans for the AVI50510 Diploma of Aviation (Flight Instructor) course are currently not available through the school. There are a range of self-funded options available.

Important Information

Extract taken from VET Student Loans – Information for students applying for VET Student Loans – 2017 Handbook (source: Department of Education and Training).

Click this link to access the online full copy which must be read before enrolment

The VET Student Loans program assists eligible students enrolled in approved higher level vocational education and training (VET) courses to pay their tuition fees.

Eight important points you must read!

  1. Your VET Student Loan becomes part of your Higher Education Loan Program (HELP) debt and must be paid back at the relevant repayment rate when your repayment income is above the compulsory repayment threshold. The compulsory repayment threshold is adjusted each year. The compulsory repayment threshold for the 2016 – 2017 income year is $54,869.
  2. From 1 July 2017, you will be required to confirm (in the Department of Education and Training’s dedicated system) your continued engagement in your course of study.  Your ongoing access to a VET Student Loan is dependent upon you demonstrating that you are still engaged in and progressing through your course.
  3. You will incur your liability to pay tuition fees for each part of your course on the census day for that part of your course.
  4. If you do not wish to incur a liability for that part of the course you must withdraw your enrolment in that part of the course, before the census day. You must withdraw in writing and in line with your approved course provider’s withdrawal procedure.
  5. Full fee paying students will incur a 20 per cent loan fee on their VET Student Loan. Students whose enrolment is subsidised by a state or territory government do not incur a loan fee.
  6. You must meet the eligibility criteria to be eligible for a VET Student Loan. You will need to supply information to your provider to prove that you meet the eligibility criteria.
  7. The amount of a VET Student Loan for a course is capped.  The loan may not be sufficient to cover all the tuition fees for a course. Your education provider must send you a written notice of the amount of your course tuition fees covered by the loan and any gap fees required to be paid by you. The information must be sent to you by the first census date for your course. You are responsible for paying the gap fee.
  8. Information on covered fees (tuition fees covered by the VET Student Loans program), any additional fees including whether a loan fee is payable, and other information including how to withdraw before the census day without incurring fees, will be provided to you by your provider prior to your enrolment.

YOU MUST READ VET STUDENT LOANS INFORMATION FOR STUDENTS APPLYING FOR VET STUDENT LOANS – 2017 BEFORE SUBMITTING THE ’REQUEST FOR VET STUDENT LOAN eCAF’

WHEN YOU SIGN AND SUBMIT YOUR ‘REQUEST FOR VET STUDENT LOAN eCAF’, YOU DECLARE THAT YOU HAVE READ THIS BOOKLET AND THAT YOU ARE AWARE OF YOUR OBLIGATIONS UNDER THE VET STUDENT LOANS PROGRAM.

Am I eligible for VET Student Loans?

Extract taken from VET Student Loans – Information for students applying for VET Student Loans – 2017 Handbook (source: Department of Education and Training).

Click this link to access the online full copy which must be read before enrolment

To receive a VET Student Loan, you must:

  1. be an eligible student
  2. be studying an approved course
  3. be studying with an approved course provider
  4. apply to the government using the approved form, and
  5. confirm your engagement and progression to continue to access the loan throughout your course.

To be an eligible student, you must meet ALL of these criteria – further detailed below.

  • You are:
    • an Australian citizen, or
    • a qualifying New Zealand citizen Note 1,  or
    • a permanent humanitarian visa holder, who is usually resident in Australia.
  • Your FEE-HELP balance (the amount of your FEE-HELP limit you have left) is more than $0.
  • You are enrolled with an approved course provider in an approved course and have enrolled in accordance with the application requirements.
  • You are studying the approved course primarily at a campus in Australia.
  • You have been assessed by your approved course provider as academically suited to undertake the approved course on the basis of either:
  • providing your Australian Year 12 Certificate; OR
  • providing evidence of successful completion of an Australian Qualifications Framework Certificate IV or higher qualification (where the language of instruction is English); OR
  • displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test.

In addition, your approved course provider must reasonably believe you show competence in completing the course.

  • You meet the Tax File Number (TFN) requirements.
  • You have a Unique Student Identifier (USI) or are otherwise exempt.
  • You have given the required documents to your approved course provider and submitted the loan application form by the first census day no less than two business days after enrolling.

Note (1) a qualifying New Zealand citizen is a New Zealand citizen who meets all of the following:

  • holds a special visa category, such as the New Zealand Special Category Visa (SCV);
  • has been usually resident in Australia for at least 10 years;
  • was a dependent child when he or she was first usually resident in Australia;
  • has been in Australia for periods totalling 8 years during the previous 10 years; and

has been in Australia for periods totalling 18 months during the previous 2 years.

To view the complete Department of Education and Training booklet click on the following link.

How VET Student Loans works

When a students census date passes, Bruce Hartwig Flying School report this to the source: Department of Education and Training during the month this occurs. This date of the census is given to the student well in advance of this occurring both in the published schedules on the website and the comprehensive training plan provided prior to your enrolment.

Bruce Hartwig Flying School will send you a VET Student Loans fee notice for each census (fee) period, for the course you are enrolled in for that fee period. This will be sent to your nominated personal email at least 14 days before the census day. The invoice will detail a range of information including:

  • the provider’s name and registration code,
  • your name, contact details and student identification number as issued by the provider,
  • the cost of the unit/s you are enrolled in for that part of your course,
  • the census day/s on which you will incur the debt,
  • your CHESSN, and
  • the loan fee (if applicable).

The source: Department of Education and Training pays directly to Bruce Hartwig Flying School the amount of the loan. This occurs after each semester.

Students repay the loans through the Australian Taxation System once their repayment income is above the minimum repayment threshold for compulsory repayment. In the tax year 2016-17 the threshold is $54,869.

VET Student Loans are a loan from the Australian Government that must be repaid in full and is not subsidised. Voluntary repayments maybe made at any time, regardless of income- further information. you can make voluntary repayments to reduce your VET Student Loan debt at any time; some voluntary repayments attract a bonus. Visit www.ato.gov.au for further details. VET Student Loans provides loan for tuition fees only. VET Student does not cover accommodation and general expenses.

Your Commonwealth Assistance Notice (CAN)

Extract taken from VET Student Loans – Information for students applying for VET Student Loans – 2017 Handbook (source: Department of Education and Training).

Click this link to access the online full copy which must be read before enrolment

If you are using a VET Student Loan, your Bruce Hartwig Flying School will send you a CAN, within 28 days after the census day, for each study period that you are using the loan. Your CAN will include information on:

  • the tuition fees for your course,
  • the course for which you have received VET Student Loans,
  • any upfront payments you have made
  • any VET Student Loan you have used for that study period.

Check your CAN carefully to make sure that the tuition fees listed on your CAN are the same as those published on Bruce Hartwig Flying School’s website. If you notice any errors on your CAN, you have 14 days from the date of the CAN to send Bruce Hartwig Flying School a written request for correction.

Tuition Assurance for VET Student Loan Students

Extract taken from VET Student Loans – Information for students applying for VET Student Loans – 2017 Handbook (source: Department of Education and Training).

Click this link to access the online full copy which must be read before enrolment

All approved course providers are required to have an approved tuition assurance arrangement in place with a tuition assurance scheme operator.

This is to support students with VET Student Loans, in the event that their provider ceases to provide a courses after it starts but before it is completed

– for example because the provider shuts down. If this happens, the tuition assurance scheme operator will contact affected students and provide assistance to help them complete their course. Such assistance may include:

  • arranging for students with a VET Student Loan to finish their course or an equivalent course with another provider; or
  • where it is impractical for the student to finish the course with another provider, repay the student’s tuition fees, which were paid using a VET Student Loan.

Further information is available in the VET Tuition Assurance Statement. Click the following link to view the full copy.

Schedule of Courses and Fees for VET

Joining a Bruce Hartwig Flying School Course

If a prospective student is eligible for VET Student Loans assistance and would like to obtain a VET Student Loan for a course, you should contact Bruce Hartwig Flying School administration and complete an application form.

Eligible students must have read the current VET Student Loans Student Information Booklet – 2017 before submitting your “request for VET Student Loan eCAF” and you must understand your obligations under VET Student Loan and complete, sign the statement of understanding provided in the joining pack.

More information before applying you must read the full copy of the VET Student Loans Student Information Booklet – 2017

VET Student Loans Student Information Booklet2017.pdf,

Student Policies and Procedures

Click on the below links to access a copy.

Additional Information