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Student finance and fee information

Student Finance

Student Fees & COVID-19

Updated: 28 August, 2020 5:00 pm AEST

COVID-19 Financial Assistance Bursary - Applications now closed

As the impact of the COVID-19 pandemic continues, we recognise that some students are undergoing increased financial stress and concern. In Trimester 2, we provided a special bursary to students facing extreme hardship.  

Students at Torrens University, including the Blue Mountains International Hotel Management School and Think Education who are experiencing financial distress as a result of the coronavirus pandemic will now be eligible to apply for  the next round of Financial Assistance Bursaries There are three categories of bursary for which you may be eligible. To qualify for these bursaries students must meet the bursary criteria. The bursaries will be awarded based on demonstrated evidence of need. To ensure that as many students as possible who are facing hardship have the opportunity to access this assistance, students who did not receive a bursary in Trimester 2 will be prioritised in this round of applications.

Criteria - Please note, the online application is no longer available.  Our application deadline has passed and no further applications will be accepted.

To be eligible for the bursary:

  • you must be currently enrolled, in Trimester 3 2020, as full-time student studying onshore in Australia

  • please provide documented evidence of financial hardship including bank statements, rent payments, and evidence of other cost of living expenses

  • you need to have an Australian bank account

  • you have to complete the application.

Applications open on 10 August 2020 and close at 5:00 pm AEST on 28 August 2020. Applicants will be notified of the outcome of their application by 7 September 2020.

Please note only one application form is required per student using the steps above. As we are experiencing a high volume of applications, please expect a minimum of 10 business days before being notified about the status of your application.

If you have any questions please email


Financial Assistance Bursary – Frequently Asked Questions

Who can apply for a financial assistance bursary?

Students may apply for a financial assistance bursary for one or more of the following reasons:

  • Increased financial costs due to technology, equipment or other added requirements for studying off-campus and/or online
  • Loss of employment
  • Reduced hours of employment
  • Inability to pay rent/board/mortgage
  • Inability to pay utility bills
  • Additional transport and accommodation expenses, including accommodation, food and incidentals required for medically advised self-isolation
  • Medical expenses incurred due to the COVID-19 pandemic that cannot be recovered through a personal health insurance policy.

What are the criteria for the financial assistance bursary?

To be eligible for the bursary:

you must be currently enrolled as a full-time student in a Torrens University Australia, or Blue Mountains International Hotel Management School course

  • you must be studying onshore in Australia
  • please provide documented evidence of financial hardship including bank statements, rent payments, and evidence of other cost of living expenses
  • you need to have an Australian bank account
  • you have to complete the online application.

How will applications be awarded?

To qualify for the bursary criteria will apply. Bursaries will be awarded to those students who are deemed, based on the required evidence provided, to have the greatest need. To ensure that as many students as possible who are facing hardship have the opportunity to access this assistance, students who did not receive a bursary in Trimester 2 will be prioritised in this round of applications.

An explanation of circumstances statement addressing the criteria is required in the application. Students are able to provide documentary evidence via email to support their application, including bank statements and evidence of cost of living expenses

Applicants may be required to provide additional documentation. This requirement will be at the discretion of the selection panel.

The panel’s decision will be final.

How do I apply?

Students will be required to complete the online application form by the 28th of August 2020 and attach the required supporting evidence

Will my information be kept confidential?

The University will ensure that all applications for a financial assistance bursary are managed in accordance with the Torrens, Think and Blue Mountains International Hotel Management School Privacy Policy. The privacy and confidentiality of student’s personal circumstances will be maintained at all times.

What evidence do I need to provide?

Details of other sources of financial support.

If you are applying for a $250 bursary, a copy of your bank transaction history from the 1st July 2020 is sufficient.

If you are applying for a $500.00 bursary, a copy of your bank transaction history from the 1st July, 2020 and evidence of other expenses and evidence of other expenses is required.

For a $1,000.00 bursary, a bank transaction history for the last three months, evidence of expenses (including rent payments and other bills if applicable) and cost of living budget is required.

After I apply, what happens next?

  1. Applications are assessed by a bursary panel
  2. Applicants will be notified of the outcome of their application by 7 September 2020.
  3. If support services, other than the Financial Assistance Bursary, are more appropriate given a student’s circumstances applicants will be notified accordingly and referred to the alternate service.

Can I have my fees reduced or waived by the financial assistance bursary?

No. The fund is designed to provide critical financial relief to those students severely impacted by the COVID-19 pandemic. It does not provide a reduction or waiver of fees.

Who can I contact for more information?

For more information on the Student Assistance Bursary please phone 1300575803 or email

Updates from 6 April 2020

While we are continually reviewing and closely monitoring the coronavirus (COVID-19) situation, the importance of keeping our students informed remains our primary focus. In response to the current circumstances, a set of Frequently Asked Questions has been developed specifically in relation to student fees.

Frequently Asked Questions (FAQs)

As the classes are now online, can I have a discount or a lower rate?

In regards to your course fees, we do not differentiate the price between our online and face-to-face courses. This is because our online course delivery is of an equivalent standard to our face-to-face delivery. You will have access to the same level of support hours and access to learning resources and benefits, including Success Coaches, as you would if you were studying on campus. We feel confident that you will receive an equivalent experience to face-to-face learning.

I am concerned I will not be able to pay my rent.

The Australian Government has announced a short-term, temporary moratorium on eviction for non-payment of rent. 

Please refer to the National Cabinet Statement for more information on how you may be able to discuss or negotiate rent options with your landlord:

Information for students about additional support services

Australian states each have assistance and support available for students. Please check your state site for more information on any assistance currently being offered to students during this time.





How to Pay

You can pay your fees in the following ways:
  • Credit card – students can log on to your student portal to review invoices and confirm balance payable. You will be able to make a credit card payment from the student portal. Alternatively, you can call 1300 575 803 to make a payment over the phone or pay in person at the Student Services desk on campus*. 
  • BPAY – please refer to your invoice for your BPAY CRN and the biller code. The CRN (Customer Reference Number) is unique to each student, so please ensure you have checked this before submitting payment.
  • Flywire – we have partnered with Flywire to allow for bank account transfer payments.
    Torrens students:
    THINK Education students:
    BMIHMS students:
    You will need to book a new payment each time you wish to pay using Flywire. Please refer to if you require assistance with making payments.

*Please note we do not accept cash payments at any of our campuses.

Understanding your payment due date

Your invoice due date depends on:

  • Whether you are a domestic or international student
  • The date you enrol into a subject

Your payment due date cannot be changed as it is generated by our system. Please refer to your invoice to confirm your due date. You can also check for any upcoming payments due or review past invoices using the student portal.


International Students

As of August 5, 2019 the payment due date for international students has been changed to 14 days prior to the commencement of the study period, also known as the liability deadline. This is also the last day international students are able to withdraw from subjects without being charged. 


Domestic Students

As of August 5, 2019 the payment due date for domestic students has been changed to the start date of the study period.

Changes to the payment due date for domestic students will not have an impact on the census date. The census date is the last day domestic students are able to withdraw or defer from studies without being charged.


Late Payment Fee

It is important to ensure your fees are paid by the required due date to avoid any financial penalty. If your fees are not paid by the specified due date a late payment fee of $100.00 will apply unless there are exceptional circumstances. You may also lose access to your Learning Portal (Blackboard) until all overdue fees have been paid. For more information about late payment fees please refer to the Torrens or THINK Student Fees Policy


Understanding an invoice

Invoices are issued any time you have enrolled into a subject.

They represent a tuition fee charge for subject selections you have made in the past 24 hours.

Please refer to the Amount Payable column for the total balance that requires payment by the due date.

If you have overpaid your fees in the previous study period, this amount will automatically be deducted from your balance.

If your Amount Payable is $0.00, this means you do not have an outstanding balance. 


Understanding a credit note

Credit notes are issued any time a subject is withdrawn prior to your relevant financial liability deadline.

They represent the reversal of a charge in your billing, and do not always reflect a credit balance on your account.

Credit notes will only be refundable to you if you have made an overpayment of your tuition fees.


Your eligibility for a refund and how much depends on the time of your withdrawal from the subject or course.


Domestic students

If you withdraw from a subject or course on or before the census date (you can refer to your invoice for the relevant census date of a particular study period), you will receive a full refund of any upfront fees paid. If you have applied to use FEE-HELP, you will not incur any financial liability.

If you withdraw from a subject after the census date you are generally liable to pay for the subject (either upfront or charged to your HELP-debt), however you may be eligible for special consideration depending on your circumstance. 


International students

Refunds of tuition fees will be granted on the basis of:

  • deferral of the offer of admission 14 calendar days or more prior to the commencement of the course, or
  • an amendment to the enrolment (e.g. withdrawing from a subject) 14 calendar days or more prior to the commencement of the study period, or
  • withdrawal due to failure to meet the conditions of an offer of admission, or
  • withdrawal due to failure to meet the required results to proceed with a packaged offer pathway, within 14 calendar days of receiving notification of failure to meet the condition

In all other circumstances, students are liable for the full amount even if they are approved to withdraw before or during the study period. 


How to apply for a refund

All applications and/or enquiries relating to refunds can be sent via email to the following addresses:

THINK students:

Torrens students:

BMIHMS at Torrens students: 

Your application will be assessed for eligibility and we will confirm with you upon approval of your refund.

For eligible refunds, please allow at least 20 working days from the date your application is processed for the refund to reach your nominated account.



Please refer to the Student Fees and Refund policies prior to sending a refund request to check whether you are eligible for a refund.




Many of the fees requirements are set by the Government - find more detailed information on the Study Assist website.

Domestic students attending university or a higher education provider can get a FEE-HELP loan to pay all or part of their tuition fees.

A FEE-HELP loan does not cover costs such as accommodation, laptops or textbooks.

To get a FEE-HELP loan, you must:

  • be an Australian citizen and 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
  • be enrolled in a fee-paying place at a provider that offers FEE-HELP loans
  • be enrolled in an eligible course at your provider by the census date
  • submit the Request for FEE-HELP form to your provider by the census date
  • not have already borrowed up to your FEE-HELP limit
  • meet the "pass rate" requirements if you are studying at a non-University (i.e. Think Education)


Applying for FEE-HELP

To get a FEE-HELP loan, you will need a valid Tax File Number (TFN) and a Request for FEE-HELP assistance form (also known as an eCAF), which will be given to you once you are deemed eligible to use FEE-HELP.

Your form must be filled in and submitted to your provider before the census date.


How much can I borrow?

For 2020, the HELP loan limit is $106,319.00. If you plan to study medicine, dentistry or veterinary science, the HELP loan limit is $152,700.00.

The HELP loan limit is currently a lifetime limit, however the balance is renewable. Any compulsory or voluntary repayments starting from the 2019-20 income year will top up a person's HELP balance. These repayments will be applied from 1 July 2020 onwards. 

As of 1 January 2020 there is a new combined HELP loan limit that includes HECS-HELP, FEE-HELP, VET FEE-HELP and VET Student Loans. Once you begin using FEE-HELP, the amount you have left is known as your 'FEE-HELP balance'. You can check your HELP-balance through your myGov account which will show you how much you owe and any repayments you have made, or by logging onto myHELPbalance. You will need your Commonwealth Higher Education Student Support Number (CHESSN) to access this portal. If you are unsure of what your CHESSN is, please contact the Student Finance team and we can assist you. 


VET Student Loan (VSL)

A VET Student Loan (VSL) helps students cover fees for Vocational Education and Training (VET) courses.

VET Student Loans began on 1 January 2017 and replaced the VET FEE-HELP scheme.

This loan is only available for approved courses at the diploma level and above.

There is a limit to how much you can borrow under the VET Student Loan, called the "loan cap". If you are studying a course that costs more than the loan cap, you may need to pay upfront for the difference (gap amount). 


Loan fee

A loan fee is charged by the government if you get a FEE-HELP loan to pay for your undergraduate course.

As of 2019 the loan fee no longer applies to students studying at Torrens University with a unit of study census date after 1 January 2019. 

You may still need to pay a loan fee if you are studying at Think Education.

The loan fee does not count towards your HELP loan limit.




Frequently Asked Questions (FAQs)

Find answers to common queries about fees, invoices, refunds and other fee-related issues. Can't find your answers below? 


THINK students:

Torrens students:

SSNT (Fitzroy) students:

I'm unable to pay my fees by the due date. What happens if I don't pay?

It is a student's responsibility to pay all tuition and non-tuition fees by the prescribed deadline as this is a condition of your enrolment. If you do not make payment in full by the due date, you will lose access to the Learning Portal (Blackboard), and may be charged a late payment fee. If your fees continue to remain unpaid an Intention to Report or Cancel will be issued to you.

I am on FEE-HELP. Why am I still receiving an invoice?

As a provider, we are required to send you a copy of your invoice to comply with government legislation. It is a good idea to check your invoice so you know which subjects you have been charged for, and to question any discrepancies within 14 calendar days of receiving the invoice.


The invoice I received doesn't show my scholarship for some subjects. Why am I not receiving the scholarship?

As per our Student Fees Policy, scholarships are applicable only to first-attempt subjects. If you have previously attempted a subject, the scholarship will not be applied to the repeated attempt. Please also note that all academic scholarships have an expiry date. You can refer to your original letter of offer (signed written agreement) for details of your scholarship and when it expires. Extending your course beyond the original scheduled finish date also does not mean your scholarship will be automatically extended.


I have already paid my fees. Why am I still being locked out of the Learning Portal (Blackboard)?

Students must be mindful of processing times required for banking transactions when paying tuition fees and to make arrangements as necessary to ensure fees are received by the due date. BPAY payments can take up to 1-3 business days to reach the intended account, while payments through Flywire may require up to 7-10 business days to clear. If you have paid using the credit card payment option, this will usually appear on your account the same day. Your payment receipt will be issued the following day after payment has been received.


Why have my fees increased this year?

You may notice a slight increase, of no more than 10%, on your subject fees for each year. This is part of a normal annual fee review to accommodate increasing course delivery costs, as was set out in the conditions in your Letter of Offer. You can access details about your fees as usual via your Student portal when you select your subjects.