Student Loans & Financial Support

Graduate Research School

What are loans available for?

  • Student loans are available to postgraduate research students to cover the costs of unforeseen circumstances that impact on their ability to undertake full-time studies at UNSW.

  • Students who wish to purchase a computer may also apply for a student loan.

What are loans not available for?

  • Tuition fees

  • Other University debts

  • Field trip or Exchange Program costs

  • General living expenses

  • Car loans and repairs

  • Personal debts (credit cards, mobile phone bills etc)

  • Dental/Medical bills

What is the maximum student loan I can get?

  • Student loans are usually available up to $1500.
  • However, requests for up to a maximum of $4000 may be considered in exceptional circumstances.

Who is eligible for a loan?

  • Applications for loans will only be considered from students who:
    • are currently enrolled full-time,  
    • have completed at least one full-time equivalent semester of a research degree at UNSW, and 
    • are in good academic standing, and 
    • do not have any outstanding debts owed to UNSW, and 
    • provide documentary evidence of income in support of their application for loans of more than $200 eg payslip, regular payments being made into your bank account or recipient of a scholarship can prove ability to re-pay the loan without recourse to a third party guarantor

How do I Apply?

  • Firstly, you should email the Admissions and Scholarships team at the Graduate Research School so it may be determined if you are eligible to apply for a loan. If your request is pre-approved you will be required to come to the Graduate Research School for an interview.
  • You should provide proof of ability to repay the loan for loans greater than $200.
  • Proof of ability to repay the loan includes:
  • copies of bank statements for two months preceding the loan application


  • pay slips for the month preceding the loan application

How is the Loan Paid to me?

  • Loans will normally be paid into the bank account nominated on the loan application form, and may take up to five working days to be credited

How are Repayments Determined?

  • Loans of up to $1500 must be repaid in full within 1 year
  • Repayments for loans in excess of $1500 myust be repaid in full within 2 years.

What happens if I do not re-pay my loan?

  • If you fail to repay your loan, the University will terminate your loan contract and may take legal proceedings to recover the outstanding balance of the loan.
  • In addition, you will have a block placed on your student record. This block will prevent:
  • Future enrolment
  • Access to Examination Results
  • Access to Library Services
  • Access to Buildings & Computer Labs
  • Access to Web CT
  • Access to Transcripts
  • Graduation

How do I make my repayments?

  • Payments can be made at the Cashier (either at Kensington Campus or at COFA) by eftpos, or online with a credit card.

What happens if I discontinue my studies before I have repaid the loan?

  • If you discontinue your studies or change your enrolment to part time, the outstanding balance of the loan becomes payable within 30 days.

How will I be notified if my loan is successful / unsuccessful?

  • You will be notified at the time of the interview if your application has been successful.

How do I appeal if I am refused a loan?

  • If you wish to appeal against the decision on your loan application, you should, in the first instance, send an email of appeal to the Manager, Admissions and Scholarships

Can part time students apply for a student loan?

  • No

Is interest charged on the loan?

  • No

What happens if my circumstances change again, and I cannot make the repayments?

  • You must contact the Graduate Research School, as soon as you realise you are in financial difficulty, you will be requested to come to the Graduate Research School to discuss possible loan renegotiation.

Can International Students Apply for a Loan?

  • Yes