Subsidies, Concessions and Loans

​Making training accessible –  Victorian Training Guarantee

If you choose to continue your education after leaving school, there are different options available to you.

The Victorian Training Guarantee (VTG) is making vocational education and training more accessible to people who don’t have a post-school qualification, or who want to get a higher level qualification than they already have.

For more information, see: The Victorian Training Guarantee


You can check the Funding eligibility indicator on the Victorian Skills Gateway for an indication of your eligibility, but only the RTO can say for sure if the student is eligible for a particular course.

For more information, see: Funding eligibility indicator

As a general guide to eligibility:

  • If your child is 20 years of age or younger and is not at school, they’ll be eligible for a government-subsidised place for training at any qualification level.
  • If they are still at school, you should contact the school to see what vocational training options are available. Government-subsidised places are available for school students doing a School-Based Apprenticeship or Traineeship (SBAT).
  • If your child is 20 years of age or older, they’ll be eligible for training as an apprentice, VCE and VCAL, and for any qualification higher than the qualifications they already have. They will also be eligible for Foundation Skills courses if they don’t already hold a diploma or higher qualification.

There are also some additional criteria, including citizenship and residency requirements.

For full details, see: The Victorian Training Guarantee

Encourage your child to think carefully

Your child needs to think carefully about the course they choose. If they change their mind and decide to do a different course, they won’t necessarily be eligible for another government-subsidised place at the same level.

For example, if your child completes a Certificate III in Aged Care, and then finds there are no jobs in this area or they don’t like the work, they will probably not be eligible for another government-subsidised place in a different Certificate III course.

Encourage your child to make the most of their government-subsidised training and choose carefully.


Since 1 January 2014, Victorian government subsidised students across all training providers have paid for about 15 per cent of the costs of their training, although fees vary between courses.

RTOs are required to provide an 80 per cent discount to eligible concession card holders. This means concession students on average contributed around 5 per cent towards the costs of their training in 2014.

VET FEE-HELP loans are available for students studying at diploma and advanced diploma levels and in some certificate IV courses.

This means students can defer the costs of their training until they start earning above a specified income. The Victorian government would like this payment option to be extended to lower level certificates.

Funding support

Help from the Australian Government

VET FEE-HELP is an Australian government student loan scheme for vocational education courses. It is part of the Higher Education Loan Program (HELP) and assists eligible students in diploma, advanced diploma, graduate certificate and graduate diploma courses. It covers all or part of tuition costs with a student loan, which is only due for payment when the student earns above specified income.

The scheme is available at Registered Training Organisations (RTOs) approved by the Australian government.

To find out more, call 1800 020 108 or see: Study Assist

Centrelink assistance for individuals studying or training

Centrelink has financial assistance available for adults undertaking further education and training.

For more information, see: Students and Trainees – Australian Government’s Department of Human Services

Youth Allowance Scheme

If you are a young person who is studying, training, doing an Australian Apprenticeship, looking for work, or unwell, the Youth Allowance Scheme can help.

For more information, see: Youth Allowance – Australian Government's Department of Human Services


Indigenous students and full-time Indigenous apprentices can access ABSTUDY payments, which include a fortnightly living allowance and help with study costs.

For more information, see: ABSTUDY – Australian Government Department of Human Services

Indigenous students are also eligible for the Indigenous Completions Initiative, under which they pay reduced tuition fees for government-subsidised training.


Some providers offer scholarships to assist in the payment of tuition fees, books and other study costs. For more information contact the relevant RTO.