VET Student Loans

 
 
VET Student Loans
VET Student
        Loans

        Student
        Information
        Handbook
         Issued: 01/2019.v5




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        1|Page

Issued: 10/2018.v1; 01/2019.v5
VET Student Loans
Contents
What is the VET Student Loans program? ..........................................................................5
Are you eligible for a VET Student Loan? ...........................................................................5
How do you apply for a VET Student Loan? .......................................................................6
   Students under the age of 18 .................................................................................................... 7
   Tax file number requirements................................................................................................... 7
What is the ‘Census Day’? .................................................................................................8
   How do I confirm my continued engagement and participation in my course? ......................... 11
   Keeping Track of Your Vet Student Loan.................................................................................. 11
   Your Commonwealth Higher Education Student Support Number (CHESSN) ............................ 11
   Fee notices ............................................................................................................................. 11
   Your Commonwealth Assistance Notice (CAN) ........................................................................ 12
   VSL Course Caps Indexed Amounts ......................................................................................... 12
How Student Loans work ................................................................................................14
FEE-HELP limit ................................................................................................................15
   FEE-HELP balance ................................................................................................................... 15
Policies and Procedures - VET Students Loans ..................................................................16
Fairness, Equal Benefits and Opportunity ........................................................................17
Policy and Procedure ......................................................................................................17
   Student Selection ................................................................................................................... 17
   Student Eligibility Requirements for VSL Students ................................................................... 18
   How to make a complaint of discrimination or unfair treatment .............................................. 19
VET Student Loan Pre-Enrolment Process ........................................................................21
Policy and Procedure ......................................................................................................21
   Academic Suitability and Entry Requirements ......................................................................... 21
Checklist of information to be provided to students .........................................................25
prior to enrolment ..........................................................................................................25
VET Student Loan Enrolment Process...............................................................................27
Policy and Procedure ......................................................................................................27
Student Grievance Resolution and Review.......................................................................28


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com                        - VCID.VSL.04                                     2|Page

Issued: 10/2018.v1; 01/2019.v5
VET Student Loans
Policy and Procedure ......................................................................................................28
VET Student Loan Personal Information Privacy ..............................................................31
Policy and Procedure ......................................................................................................31
VET Student Loan Tuition Costs and Census Days .............................................................34
Policy and Procedure ......................................................................................................34
Fee Periods for Equitation Science International: .............................................................36
   Fee notices....................................................................................................................... 37
   Your Commonwealth Assistance Notice (CAN) ............................................... 37
   Can I make a voluntary repayment? .................................................................... 39
VSL Tuition Fee Refunds & Withdrawals ..........................................................................41
Policy and Procedure ......................................................................................................41
VET Student Loan - Student Review Procedures ...............................................................44
Statement of VET Tuition Assurance for Exempt Student Loans (VSL) Providers ................49




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com                    - VCID.VSL.04                                   3|Page

Issued: 10/2018.v1; 01/2019.v5
Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        4|Page

Issued: 10/2018.v1; 01/2019.v5
What is the VET Student Loans program?
The VET Student Loans program is an Australian Government loan program that helps
eligible students enrolled in approved courses at diploma level or above, at approved
course providers pay their tuition fees. The loan has income-contingent repayment
arrangements, which means you only need to make repayments if you are earning above
the minimum repayment threshold. You can make voluntary repayments at any time.

If you are an eligible student, the Department of Education and Training (the department)
may approve your VET Student Loan for an approved course. The department will pay
your loan directly to your approved course provider. You will be responsible for any gap
amount in the tuition fees, which are not covered by the loan. You will owe a debt to the
Australian Government for the loan, which will be managed by the Australian Taxation
Office (ATO).


Are you eligible for a VET Student Loan?

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, which will be managed
       through your provider
    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*, 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. This means you have enough FEE-HELP limit remaining for your proposed
   studies to be covered by the loan.
 • 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.

* 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.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com       - VCID.VSL.04                          5|Page

Issued: 10/2018.v1; 01/2019.v5
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.

To be an approved course, your course must:

 • be specified on the VET Student Loans (Courses and Loan Caps) Determination 2016
   (the courses and loan caps determination): and
   - for state-government subsidised students, lead to a qualification of diploma or
       advanced diploma in the Australian Qualifications Framework
   - for full fee-paying / fee for service students, lead to a qualification of diploma,
       advanced diploma, graduate certificate or graduate diploma in the Australian
       Qualifications Framework; and
  • be provided by an approved course provider; and
  • be delivered by an approved course provider or an entity registered with TEQSA
    or a body approved by the department to deliver the course.




How do you apply for a VET Student Loan?
To apply for a VET Student Loan you must complete the Request for a VET Student
Loan electronic Commonwealth Assistance Form (eCAF) by the census day.

You must first enrol with your provider and indicate that you wish to access a VET
Student Loan. Your provider will then give the department your enrolment information,
including the nearest applicable census day, through the eCAF system.

You will then receive an email from the department allowing you to sign into the eCAF
system. Once you sign-in, you will need to verify the pre-populated information and
complete the mandatory fields. You must then wait at least two full business days after
you have enrolled in your studies before submitting the eCAF.

You must submit the eCAF on or before the first census day for which you would like the
loan to apply.



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        6|Page

Issued: 10/2018.v1; 01/2019.v5
Once you submit your eCAF, you will receive an email confirming your loan approval and
providing you with a copy of your completed form. You should keep this form for your
records.

In exceptional circumstances, you may be permitted to use a paper loan request form
although prior approval is required. Your provider will advise you how to apply using this
form.
If you do not complete the eCAF, or other permitted form, by the required date for your
course, you will have to wait until the next part of your course /unit, next semester or
trimester to request a VET Student Loan for future study. Retrospective access to VET
Student Loans is not allowed under any circumstances.

Students under the age of 18

If you are under 18 years of age, a parent or guardian must complete and sign a
parental consent form. The completed parental consent form must be given to your
provider before you can be issued with an eCAF application form. The parental consent
form is not necessary if you have been assessed by Centrelink as meeting the
requirements for receiving the independent rate of Youth Allowance under part 2.11 of
the Social Security Act 1991. You will need to provide evidence of this assessment in the
form of your Centrelink Income Statement, which you can request by logging into
myGov and selecting your Centrelink online account. For more information, visit
www.humanservices.gov.au/customer/enablers/request-document-using-your-
centrelink-online-account.

Refer to: VSL Parental Consent Form on our website

Tax file number requirements

If you want to use a VET Student Loan to pay for your study, you must meet the TFN
requirements:

•       you must have a valid TFN by the census day

•       if you don’t have a TFN, you can obtain a Certificate of application for a TFN. This
        certificate is available from the ATO after you have applied for a TFN. If you get a
        Certificate of application for a TFN, you are required to upload it to your eCAF
        before you submit. You may also provide (by uploading) a copy of the online
        application summary and barcode receipt issued by Australia Post.

You must advise your provider as soon as you have received your TFN from the ATO.
Your provider will then ‘open up’ your eCAF to put it into ‘revision status’ for you to
update. You will then receive an email with a link to the eCAF where you can then enter
your TFN. Once you have done this, you must resubmit the revised eCAF. If you do not
provide your TFN, you will not be able to use a VET Student Loan for that study period.
You must keep your TFN secure.

Your TFN and personal information in your eCAF will be verified with the ATO at the time
your eCAF is submitted. If, by the unit’s census day, your information is not assessed as
correct/verified, your application will not be finalised and you will be ineligible for a VET
Student Loan.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        7|Page

Issued: 10/2018.v1; 01/2019.v5
Refer to:        eCAF Fact Sheet on our website

                 VSL Student Fact Sheet tfn mismatch

The electronic Commonwealth Assistance Form (eCAF) is the online system for students
to request a VET student loan.



What supporting documentation will I need to give to my approved course provider?

As you are applying for a loan from the Australian Government, you are required to give
your approved course provider copies of all relevant documents to support your
application for a VET Student Loan and evidence of your eligibility.

Examples of the types of documentation may include (but not limited to):

•       your birth certificate and/or your parent/s birth certificates
•       current driver’s licence
•       passport/s
•       citizenship certificate
•       visa documentation
•       Australian Year 12 Certificate or Australian Qualifications Framework Certificate
IV      or higher qualification (where the language of instruction is English).

As each individual’s circumstances are different, your approved course provider will
advise you what documentation you will need to provide so they can confirm your
eligibility for a VET Student Loan.


What is the ‘Census Day’?
The census day is a very important date for you to know about!

The census day for a course, or a part of a course (e.g. unit), is the last day you can:

•       complete the eCAF to apply for a VET Student Loan for your course
•       withdraw your enrolment without incurring a debt for the course or part of the
        course.

Providers set census days within the rules set by the Australian Government. This date
may differ between individual courses and providers.

Every part of a course (unit or subject) has its own census day, so that you incur debts
as you progress through your course, and not for the whole course at the beginning.
Every course must have at least three census days spread reasonably evenly throughout
your course. Your provider is required by law to publish census days.

If you are unsure of your census days, check your provider’s website or contact them
directly to confirm the census day for each unit you enrol in and whether withdrawal is
limited to your provider’s business hours.

Your provider must send you a VET Student Loans fee notice before the census day so
that you have all the information you need to make your study and payment decisions.



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        8|Page

Issued: 10/2018.v1; 01/2019.v5
Why have I received a ‘progressing with your VET Student Loan’ invitation email?

From 1 July 2017, to continue to access a VET student loan, you must demonstrate to
the Department of Education and Training that you are a genuine student continuing
with your studies.
To demonstrate engagement and to continue to receive the loan, you must complete the
‘VET Student Loans— Confirming enrolment and continued course engagement and
participation form’ (the progression form) in the eCAF system at least twice each
calendar year for the duration of your course.
The form asks if you intend to continue studying and accessing a VET student loan, and
contains a short survey. This student engagement and progression requirement process
is part of the increased protections for students accessing the VET Student Loans
program.

An invitation email with login details to the eCAF system will be sent to you requesting
that you indicate your study intent and complete a short survey.

Depending on the duration of your course and the length of time you take to complete
the course, you may be requested to complete this form more than once during the
length of your course.

If you do not complete the form and survey within the required time, you may be
ineligible to continue accessing VET Student Loans to pay for the remainder of your
course tuition fees.

What do I have to do?
Follow the instructions on the ‘progressing with your VET Student Loan’ invitation email
you have received:
•      log in to eCAF through the link provided. You will need to login with your date of
       birth and the PASSKEY provided in your invite email
•      complete the survey questions and submit.
       **You will have 14 days from the date you receive the invitation email to
       complete and submit the progression form.**

If you do not complete and submit your progression form before the expiry date, you will
be ineligible to continue accessing VET Student Loans to pay for the remainder of your
course tuition fees. Please note that your provider may re-issue your progression form
on request. Depending on the duration of your course and the length of time you take to
complete the course, you may be requested to complete a progression form more than
once during the length of your course. If you do miss submitting one progression form in
the required period, be sure to complete the next progression you receive.
Please contact your provider if you have any queries or difficulties accessing/submitting
your progression form.

I have deleted my invitation email and I need it to complete my student progression
form.

Contact your provider to have your ‘progressing with your VET Student Loan’ invitation
email resent.



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        9|Page

Issued: 10/2018.v1; 01/2019.v5
My passkey for completing my student progression form doesn’t work. What should I
do?
Check that you have copied and pasted the whole passkey into the login page field. The
passkey is case-sensitive. If you have any issues, please contact your provider.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        10 | P a g e

Issued: 10/2018.v1; 01/2019.v5
How do I confirm my continued engagement and participation in my
course?

To continue accessing a VET Student Loan, you will have to confirm your continued
engagement and participation in your course by completing the Progression form. An
invitation email with login details to the eCAF system will be sent to you requesting that
you indicate your study intent and complete a short survey.

Depending on the duration of your course and the length of time you take to complete
the course, you may be requested to complete this form multiple times during the length
of your course. If you do not complete the form and survey, you may be ineligible to
continue accessing VET Student Loans to pay for the remainder of your course tuition
fees.

What happens if I want to apply for a VET student loan, and the census day has already
passed?

You cannot access VET Student Loans for a past census day. You must submit your eCAF
on or before the first census day for which you wish the loan to apply.

Keeping Track of Your Vet Student Loan

More information about keeping track of your VET Student Loan is available at
www.studyassist.gov.au.

Your Commonwealth Higher Education Student Support Number
(CHESSN)

You will be allocated a CHESSN when you first apply for admission to your provider. Your
CHESSN is a unique identification number that stays with you for the whole of your
student life.

Your CHESSN helps providers and the Australian Government provide you with
information about any HELP loans you may have used. Your CHESSN is printed on your
Commonwealth Assistance Notice (CAN).

Fee notices

Your provider must send you a VET Student Loans fee notice for each fee period, for the
course(s) you are enrolled in for that fee period. This must be sent to your nominated
personal email or postal address at least 14 days before the census day. The fee notice
must 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


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        11 | P a g e

Issued: 10/2018.v1; 01/2019.v5
•       the loan fee (if applicable).

You should note that your fee notice may include more than one unit, but your provider
is required to provide at least three fee notices across your course as your course must
include at least three census days. This will ensure your course fees are spread across
the course as you progress.

Your approved course provider must also send you a VET Student Loans Statement of
Covered Fees which will provide details of the total course fee and how much will be
covered by the loan amount.

Your Commonwealth Assistance Notice (CAN)

If you are getting a VET Student Loan, your provider 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 your provider’s website. If you notice any errors on your
CAN, you have 14 days from the date of the CAN to send your provider a written request
for correction (some providers may allow for a longer correction period).

VSL Course Caps Indexed Amounts

This section provides a guide to how indexation is applied to VET Student Loans course
and loan caps.

In summary, from 1 January each year, commencing 1 January 2018, VET Student
Loans course and loan caps are indexed by using the same indexation factor as applies
under Part 5-6 of the Higher Education Support Act 2003 (HESA).
For students, this will mean that upon obtaining a VET Student Loan, indexation will be
applied automatically to both new and continuing students in respect of units with
census dates after 1 January. The maximum amount students can borrow will increase
to the maximum amount that applies for their course for the current year, as noted in
the table below.

                  VET Student Loans (Courses and Loan Caps) Determination
                                  2018 and 2019 amounts
                                                               2018               2019
                                                                 ($)               ($)
             Band 1 (Part 1, Schedule 1) ($5000)               5,075              5,171
             Band 2 (Part 2, Schedule 1) ($10000)             10,150            10,342
             Band 3 (Part 3, Schedule 1) ($15000)             15,225            15,514



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        12 | P a g e

Issued: 10/2018.v1; 01/2019.v5
Specific (Schedule 2) ($75000)                   76,125            77,571
The formulae for calculating this indexation is available at
https://docs.education.gov.au/node/47741
Created 19 September 2018

Refer to: VET Student Loans (Courses and Loan Caps) Determination 2016


Part 3—Courses in loan cap band 3
Item Course code Course or qualification name

1       10070NAT         Diploma of Equitation Science




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        13 | P a g e

Issued: 10/2018.v1; 01/2019.v5
How Student Loans work




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        14 | P a g e

Issued: 10/2018.v1; 01/2019.v5
FEE-HELP limit
There is a set maximum amount a person can borrow over their lifetime for VET Student
Loans, VET FEE-HELP and FEE-HELP. This is known as the FEE-HELP limit [HESA s 104-20].

Students are able to access VET Student Loans to pay the amount of any tuition fees for
a course up to the designated loan cap band, provided the amount does not exceed their
FEE-HELP limit. The department publishes the FEE-HELP limit in the student information
booklets and on the Study Assist website at www.studyassist.gov.au.

As a person uses VET Student Loans, VET FEE-HELP or FEE-HELP to pay their tuition
fees, the amount they may borrow in the future is reduced. Once a person has borrowed
an amount equal to the FEE-HELP limit, they are no longer eligible for VET Student
Loans, VET FEE-HELP or FEE-HELP to pay further tuition fees. This applies even if a
person has partially or fully repaid their VET Student Loans, VET FEE-HELP or FEE-HELP
debt.




The FEE-HELP limit is indexed on 1 January each year. If a person has reached their
FEE-HELP limit in a particular year and wishes to enrol in a subsequent or later years
they will be able to access any balance remaining up to the FEE-HELP limit, subject to
the remaining loan cap for their course. The FEE-HELP limit is a lifetime limit and is not
‘topped up’ by making repayments towards a debt.



FEE-HELP balance

A person’s FEE-HELP balance is the limit subtracting any VET Student Loans and other
HELP loans (VET FEE HELP and FEE HELP loans) they have used. Loan fees and
indexation of outstanding debts are not included in a person’s FEE-HELP balance.
It is the provider’s responsibility to ensure a student’s entitlement to VET Student Loans,
including confirming whether or not the student has accessed a VET student loan for
parts of courses or units of study that may not have been reported at the time of
enrolment. It is the responsibility of the provider to put in place enrolment procedures to
check if a student is likely to exceed their FEE-HELP limit.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        15 | P a g e

Issued: 10/2018.v1; 01/2019.v5
Policies and Procedures - VET Students Loans
As an approved VET provider, Equitation Science International must make publicly
available its policies and procedures related to VET Student Loans.

There is also a copy of these policies and procedures on www.esi-education.com




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        16 | P a g e

Issued: 10/2018.v1; 01/2019.v5
Fairness, Equal Benefits and Opportunity
Policy and Procedure
Equitation Science International is committed to the principles and practices of equal
benefits and opportunity and ensures that it treats all students, potential students, staff
and visitors fairly and respectfully.

This section of the student information handbook outlines Equitation Science
International’s policy in relation to fair treatment, equal benefits and opportunity which
values diversity, respects differences and provides an environment that is safe, healthy,
positive, supportive and free from all forms of harassment, bullying and discrimination
and the procedure to follow if students wish to make a complaint regarding
discriminatory behaviour by another member of the college community.

Definitions:
For the purpose of this policy and procedure the following applies:

The Act/Rules: refers to the VET Student Loans Rules 2016 and VET Student Loans Act 2016
Student/s: all persons enrolled in a unit of study who are, or would be entitled to VET
Student Loans and is a genuine student in line with the VET Student Loans Rules 2016
and VET Student Loans Act 2016

Policy

Equitation Science International’s Fairness, Equal Benefits and Opportunity Policy
includes:
 •     ensuring that the principles and practices of fairness, equal benefits and
       opportunity are promoted within the college community.
 •     establishing and maintaining a working and learning environment which is
       consistent with the principles of justice, equity and the pursuit of excellence.
 •     providing guidelines and procedures for the resolution of complaints regarding
       discriminatory behaviour or behaviour which is inconsistent with its equal
       opportunity policy.
 •     specifically forbidding sexual harassment and discrimination against people on the
       grounds of age, breastfeeding, carer status, disability/impairment, gender
       identity, industrial activity, lawful sexual activity, marital status, parental status,
       physical features, political belief or activity, pregnancy, race, religious belief or
       activity, sex, sexual orientation, personal association with someone who has, or is
       assumed to have, one of these personal characteristics.
 •     ensuring that the workplace is free from harassment, bullying, discrimination and
       occupational violence.

Student Selection

 •       Equitation Science International has open, fair and transparent procedures, based
         on merit for making decisions about:
            - The selection, from among potential students; and
            - The treatment of students.



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        17 | P a g e

Issued: 10/2018.v1; 01/2019.v5
•       Potential students seeking to enrol in a VET unit of study with Equitation Science
         International, regardless of their background, circumstances or eligibility for
         funding will be assessed for entry to study through the same entry requirements
         and through the same process.

Student Eligibility Requirements for VSL Students

An Equitation    Science International student may access a VET Student Loan (VSL) if they
are:
           -     an Australian citizen, or
           -     a qualifying New Zealand citizen*, 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. This means you have enough FEE-HELP limit remaining
                 for your proposed studies to be covered by the loan.
          •      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.

* 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.


In addition - the Eligible Student will need to be academically suited:

     •   Demonstrate adequate language, literacy and numeracy requirements.
            - This is to protect students (and intending students) who do not have the
               capacity to undertake the course in which they are enrolled.
            - This measure seeks to protect vulnerable students who have been signed
               up to the VET Student Loan scheme and who do not have the academic
               ability to undertake the course, leaving them with significant debt and no
               educational or training outcome. These measures will particularly benefit
               regional students, the unemployed, culturally and linguistically diverse
               communities, people with a disability and the elderly.
         -     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, ESI must reasonably believe you show competence in
         completing the course.
         •     You meet the Tax File Number (TFN) requirements.


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com        - VCID.VSL.04                         18 | P a g e

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•        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.




Procedure

Equitation Science International has procedures in place to ensure it treats people fairly,
makes relevant policies, procedures and rules accessible and implements these in a
transparent manner. It makes decisions about students applying for and undertaking its
courses based on merit.

Equitation Science International’s staff observe the principles of procedural fairness. It
ensures that individuals raising concerns, complaints or grievances are treated with
respect and are not victimised or discriminated against.

Ensuring fairness, equal benefit and opportunity:
   • Equitation Science International’s staff ensure they treat all students fairly by
       considering the relevant circumstances of the individuals. This does not
       necessarily mean that all students will be treated the same, fairness must be
       considered in the context of the relevant circumstances.
   • Decisions regarding students’ entry to, progression through and completion of
       courses are made on a case-by-case basis. Equitation Science International does
       not apply policies or procedures that exclude eligible applicants or appellants from
       having their application or appeal considered.
   • Equitation Science International’s does not apply an income test when making
       decisions about which students are eligible for VET Student Loan.
   • If educational disadvantage is taken into account in making a selection decision,
       the specific circumstances of each student’s case is considered before
       determining if a student has suffered educational disadvantage.

How to make a complaint of discrimination or unfair treatment

In the first instance talk to your Trainer/Assessor at Equitation Science International of
who you believe has discriminated against you or treated you unfairly. If you do not feel
comfortable with this you may discuss your issue with the Business Manager.

All information and records relating to your complaint will be kept strictly confidential.
You may withdraw your complaint at any stage. You may also take your concern to
agencies outside Equitation Science International such as the Victorian Equal
Opportunity and Human Rights Commission.
     • Upon receiving your complaint the Business Manager should convene a separate
        meeting with you and with the person you are making the complaint against (the
        respondent) within five working days.
     • If all parties are prepared to discuss the matter together, the Business Manager
        will convene a meeting with all parties within five working days.


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        19 | P a g e

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•   If a resolution is reached, the matter will rest.
    •   If you do not reach a satisfactory resolution, you will be asked to submit a written
        complaint to the Chief Executive Officer.
    •   If all parties are not prepared to discuss the matter together and you wish the
        matter to continue to be considered, you will be asked to submit a written
        complaint to the Chief Executive Officer. A Complaints and Appeal Form is
        available at reception.
    •   Within seven working days you will receive a letter from the Chief Executive
        acknowledging that your Complaints and Appeal Form has been received and
        notifying you that your complaint will be considered seriously.
    •   A copy of your Complaints and Appeal Form will be issued to the respondent.
    •   The Chief Executive Officer will formally advise you of the procedures it will follow
        to resolve your complaint and when you can expect the college to complete its
        investigations. This may involve the college conducting confidential interviews
        with other people who have knowledge of the alleged discrimination.
    •   The Chief Executive Officer will attempt to conciliate the matter between yourself
        and the respondent. This may involve bringing the parties together so that
        apologies and undertakings about future behaviour may be stated. During this
        process you may be accompanied by a representative other than legal counsel for
        support.
    •   The Chief Executive will write to you notifying you of the college’s judgement of
        the alleged discrimination. If your complaint is found to have substance,
        appropriate disciplinary action will be taken against the respondent and the
        matter may be referred to other bodies for further investigation. If your complaint
        is found not have substance the matter will lapse. If the college judges your
        complaint to be malicious or frivolous you will be dealt with in an appropriate
        disciplinary manner under the Academic Misconduct Policy and Procedure for
        Student Discipline.
    •   You will receive a copy of all material relating to the complaint that is placed on
        your student file held by the college.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        20 | P a g e

Issued: 10/2018.v1; 01/2019.v5
VET Student Loan Pre-Enrolment Process
Policy and Procedure
Purpose:
To ensure all students enrolling in courses under VET Student Loan agreements abide by
the eligibility conditions set in the VET Student Loans Act 2016 and VET Student Loan
Rules 2016.
This legislation seeks to ensure that students enrolling into approved VET qualifications
at a diploma level or higher are suitable for the AQF level of course they are enrolling
into.

Definitions:
For the purpose of this policy and procedure the following applies:

The Act/Rules: refers to the VET Student Loans Act 2016 and VET Student Loans Rules
2016

Student/s: all persons enrolled in a unit of study who are, or would be entitled to VET
Student Loans and is a genuine student in line with the VET Student Loans Rules 2016
and VET Student Loans Act 2016

What is a genuine student?
Whether or not a student is a “genuine student” is determined in accordance with factors
set out at section 5 of the Rules. Genuine student factors include considering whether
students have demonstrated that they are reasonably engaged in the course and have
completed the student progression requirements.

Academic Suitability and Entry Requirements

There are two stages to Academic suitability and entry requirements:

Stage 1:         Pre Training Review & Student Selection “Academic suitability” is
                 assessed through the pre-training review and student selection processes
                 that occur prior to any enrolment taking place. All students enrolling in a
                 VSL eligible course (even if they are not accessing VSL) must complete
                 this stage.
                 Prior to being enrolled into the VSL eligible course, we must reasonably
                 believe that the applicant is academically suited and displays competence
                 for the course requirements including meeting any of the set entry
                 requirements.

                 Every applicant will complete a Pre-Training Review (PTR) prior to
enrolment.               The PTR will include a determination of current competencies
(including               literacy and numeracy skills) and address any course specific entry
                         requirements.
                 The PTR process obtains enough information to allow a determination that
                 Equitation Science International “reasonably believes” that the student is
                 or is not academically suited to the course and displays the required
                 competencies to undertake the course.


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        21 | P a g e

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Stage 2:        Additional VET Student Loan Requirements:
               - ESI obtains a copy of a Senior Secondary Certificate of Education that
                 has been awarded to the student by an agency or authority of a State or
                 Territory for the student’s completion of year 12 or
               - the student is assessed using an approved assessment tool, as
                 displaying competence at or above Exit Level 3 in the Australian Core
                 Skills Framework (ACSF) in both reading and numeracy and the provider
                 reasonably believes that the student displays that competence or
               - the provider obtains a copy of a certificate that a qualification at level 4
                 or above in the Australian Qualifications Framework (AQF) has been
                 awarded to the student by a body registered to award the qualification in
                 the AQF in Australia and the course was delivered in English.

The Course Coordinator/Student Administration Manager is responsible for formally
communicating the applicant’s results of their Pre Training Review to them as soon as
practicable after the assessment.

Pre Training Review results are retained by Equitation Science International for at least
five (5) years after enrolment and will be made available to the Commonwealth
Authority on request. Where the applicant’s does not achieve competence at Exit Level
3 ACSF then they will be referred the Student Support Officer who will provide access to
support services to address the identified gap. This does not stop the applicant from
enrolling in the nominated course; however they will not be able to access VET Student
Loan to pay for the tuition fees, until the required level of competency for Pre Training
Review (LL&N) is achieved.

Where a student cannot provide a copy of a certificate

If a student cannot provide a copy of a qualification certificate for their Australian
Qualifications Framework level 4 or above qualification, a provider may accept from the
student a copy of their authenticated transcript from the Student Identifiers Register, as
specified under the Student Identifiers Regulation 2014 (section 5), as proof, provided it
evidenced completion of the relevant qualification.

Suitability to access a VET Student Loan

Results from the Pre Training Review, LLN Assessment and evidence of Year 12 or
Certificate IV and above qualifications will used to assess an applicant’s suitability and
form a reasonable opinion that they are or are not academically suited to undertake the
chosen course of study.

Eligibility to apply for a VET Student Loan

Students who are eligible to apply for a VSL must not have been offered an inducement
to undertake the course; and


Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        22 | P a g e

Issued: 10/2018.v1; 01/2019.v5
•       be an Australian Citizen or
    •       Permanent Humanitarian Visa holder residing in Australia for the duration of
            the unit
    •       be studying a VET Student Loans eligible course
    •       meet student entry procedure requirements
    •       provide proof of citizenship.
    •       meet Tax File Number requirements
    •       provide Unique Student Identifier (USI) number
    •       have not exceeded the FEE-HELP limit
    •       have not exceeded the VET Student Loans course cap
    •       submit a completed request for a VET Student Loan via the Government's
            eCAF System on or before the first census date and no less than two (2)
            business days after enrolling

In order to continue to access a VSL throughout the course, a student will need to
confirm engagement and progression at various progression points.

An email invitation will be sent to activate this process.

If you are a New Zealand Citizen who holds a Special Category Visa (SCV), in addition to
the above you must also meet the following criteria:
    •      first entered Australia at least 10 years ago as a dependent child aged under
           18 years
    •      have been ordinarily a resident in Australia for the previous 10 years (that is,
           have been physically present in Australia for at least eight to of the past 10
           years) and 18 months out of the last two years at the time of application for
           the loan and
    •      are otherwise eligible for a VSL.

Proof of Australian Citizenship:

Acceptable forms of proof of citizenship include:
   •      Current Australian Passport
   •      Australian Citizenship Certificate or Naturalisation Certificate
   •      Australian Citizenship by Descent extract
   •      Australian Birth Certificate where you were born before 20 August, 1986 Or
          - If you were born on or after 20 August, 1986 we would require your
              Australian Birth Certificate plus proof of your parent’s Australian
              Citizenship at the time of your birth (examples include your parent’s
              Australian Birth Certificate or Australian Citizenship Certificate).
Note:
    •   New Zealand Special Category Visa (SCV) VET Student Loans applicants will need to
        provide an International Movement Record from the Department of Immigration to prove
        that they meet citizenship requirements as well as the above criteria.
    •   Permanent residents are not eligible to access VET Student Loans


Students under 18 years of age

VET Student Loans applicants under 18 years of age at time of enrolment must complete
(and have a parent/guardian sign) a Parental Consent form prior to enrolment. If the
applicant is an Independent Minor and received Youth Allowance on the basis that the
student is independent (within the meaning of Part 2.11 of the Social Security Act 1991),



Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        23 | P a g e

Issued: 10/2018.v1; 01/2019.v5
they will need to supply a Centrelink Income Statement noting that they are
Independent.

Administrative VET Student Loan Requirements

Other important administrative requirements are:
   • A student must complete and submit the Request for a VET Student Loan eCAF.
       This must be done no less than two (2) business days after enrolling, and at least
       fourteen (14) days prior to the census date,
   • If a student does not complete the VET Student Loan eCAF by the required date
       for the course/unit, the student will be responsible for paying in full the total
       tuition fee outstanding for the enrolled course/unit.
   • A student must be enrolled at least 16 days before the first Census date for the
       qualification or unit/s of study. Census dates can be obtained from the Equitation
       Science International website. www.esi-education.com

Relevant Legislation:
   - Standards for Registered Training Organisations (RTO’s) 2015
   - National Vocational Education and Training Regulator Act 2011
          - VET Student Loans Act 2016
          - VET Student Loans (Charges) Act 2016
          - VET Student Loans Rules 2016
          - VET Student Loans (Courses and Loan Caps) Determination 2016
          - VET Student Loans (Charges) Regulations 2017
          - VET Student Loans (External Dispute Resolution Scheme) Specification
              2017
          - Student Identifier Act 2014
          - Higher Education Support Act 2003

Refer:

    •    Checklist of Information to be provided to student prior to enrolment – see next
         page




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        24 | P a g e

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Checklist of information to be provided to students
prior to enrolment
 Information required to be provided prior to enrolment                                    Information
 (see section 98 of the Rules)                                                             provided
                                                                                                  
  1. All information required to be provided under the Standards for
     Registered Training Organisations (RTOs) 2015 that relates to                                ☐
     ensuring that each learner is properly informed and protected.
  2. The tuition fees for the approved course
                                                                                                  ☐
  3. Any fees other than tuition fees that are payable for the course
                                                                                                  ☐
  4. The student’s options for paying tuition fees, including:
        (i)     payment by the student as fees become due and                                     ☐
        (ii)    a VET student loan
  5. Information about VET Student Loans, including that:
        (i)     it is a loan from the Commonwealth, and
        (ii)    the loan will remain a personal debt until it is repaid to the
                Commonwealth, and
        (iii)   the loan may, until the debt is repaid, reduce a student’s                        ☐
                take-home (after-tax) wage or salary and may reduce the
                student’s borrowing capacity, and
        (iv)    a student may wish to seek independent financial advice
                before applying for a loan.
  6. The criteria for being an eligible student for a VET student loan (see
     sections 9 – 12 of the Act)                                                                  ☐
  7. The application process for a VET student loan (see section 17 of the
     Act)                                                                                         ☐
  8. An explanation that the student may be required during the course
     to communicate his or her agreement that the Secretary continue to
     use the VET student loan to pay tuition fees for the course (student                         ☐
     progression and engagement requirements)
  9. The maximum amount of a VET student loan that may be available
     for the course, and an explanation that the amount of the loan                               ☐
     cannot be greater than the student’s remaining FEE-HELP balance
  10. The total VET student loan debt a student may incur if the student
      receives the maximum VET student loan referred to paragraph 9                               ☐
      above.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        25 | P a g e

Issued: 10/2018.v1; 01/2019.v5
Information required to be provided prior to enrolment                                    Information
 (see section 98 of the Rules)                                                             provided
                                                                                                  
  11. An explanation that the tuition fees will be reasonably apportioned
      across a specified number of sequential fee periods and that each fee                       ☐
      period will contain at least one census day
  12. Information about census days, including:
    (i)     the meaning of a census day (see subsection 58(3) of the Act),
            and
    (ii)    that a student may cancel the student’s enrolment in the course
            or part of the course using the provider’s procedure for
            withdrawal, and
                                                                                                  ☐
    (iii)   if a student withdraws before the census day for a course or part
            of a course, the student will not incur a VET student loan debt
            for the course or part of the course and will receive a refund for
            any tuition fees already paid for the course or part of the course
  13. How to access the following on the approved course provider’s
      website:
     (i)    the tuition fees for the course
    (ii)    the census days for the course
                                                                                                  ☐
    (iii)   the provider’s procedures for withdrawal from the course and
            cancellation of enrolment
    (iv)    other procedures the provider is required to have under the
            Rules
  14. Advice that it is important for an enrolled student to notify the
      provider of any change of contact details                                                   ☐
  15. Advice that the department will contact the student to verify the
      student’s enrolment in the course                                                           ☐




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        26 | P a g e

Issued: 10/2018.v1; 01/2019.v5
VET Student Loan Enrolment Process
Policy and Procedure
Purpose:
To ensure all students enrolling in courses under VET Student Loan agreements abide by
the eligibility conditions set in the VET Student Loans Act 2016 and VET Student Loan
Rules 2016.
This legislation seeks to ensure that students enrolling into approved VET qualifications
at a diploma level or higher are suitable for the AQF level of course they are enrolling
into.
Definitions:

For the purpose of this policy and procedure the following applies:

The Act/Rules:           refers to the VET Student Loans Act 2016 and VET Student Loans
                         Rules 2016
Student/s:               all persons enrolled in a unit of study who are, or would be entitled
                         to VET Student Loans and is a genuine student in line with the VET
                         Student Loans Rules 2016 and VET Student Loans Act 2016
eCAF:                    Commonwealth Assistance Form

Enrolment Procedure

To apply for a VET Student Loan you must complete the Request for a VET Student
Loan electronic Commonwealth Assistance Form (eCAF) by the census day.

You must first enrol with your provider and indicate that you wish to access a VET
Student Loan. Your provider will then give the department your enrolment information,
including the nearest applicable census day, through the eCAF system.

You will then receive an email from the department allowing you to sign into the eCAF
system. Once you sign-in, you will need to verify the pre-populated information and
complete the mandatory fields. You must then wait at least two full business days
after you have enrolled in your studies before submitting the eCAF.

You must submit the eCAF on or before the first census day for which you would
like the loan to apply.

Once you submit your eCAF, you will receive an email confirming your loan approval and
providing you with a copy of your completed form. You should keep this form for your
records.

In exceptional circumstances, you may be permitted to use a paper loan request form
although prior approval is required. Your provider will advise you how to apply using this
form.
If you do not complete the eCAF, or other permitted form, by the required date for your
course, you will have to wait until the next part of your course /unit, next semester or




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        27 | P a g e

Issued: 10/2018.v1; 01/2019.v5
trimester to request a VET Student Loan for future study. Retrospective access to VET
Student Loans is not allowed under any circumstances.


Student Grievance Resolution and Review
Policy and Procedure
Equitation Science International is committed to providing high quality education and
training. It endeavours to treat students fairly and respectfully. However we
acknowledge that from time to time students may have concerns or feel the need to
lodge a formal complaint. This policy and procedure explains how students are to lodge a
concern or grievance and the steps Equitation Science International will take to resolve
the matter.
This process is available to all students and potential students who are entitled to VET
Student Loans assistance. There is no charge to this process.
As per the VET Student Loan Rules Act 2016:
88 Grievance procedure
        (1)    An approved course provider must have a grievance procedure to deal
               with complaints from its students about:
               (a)    academic matters (including matters relating to student progress,
                      assessment, curriculum and awards for an approved course); and
               (b)    non academic matters (including matters relating to enrolment in a
                      course and personal information held by the provider).

Definitions

Concern
A concern is any initial issue or matter you wish to raise in relation to academic and
non-academic matters. A concern is when you informally contact us (e.g. verbally or by
email) and we can be deal with your concern quickly to the satisfaction of all concerned
without requiring further action.
Grievance
A grievance is a written statement of complaint. A grievance may be initiated from a
concern that has not been dealt with to your satisfaction and therefore requires further
action.
    - Academic grievances include matters that relate to your academic progress,
        assessment, curriculum issues and awards.
    - Non-academic grievances include general administrative issues, privacy
        matters and issues with non-academic policies or procedures.
Provider
     - a VET Student Loans or VET FEE-HELP approved provider. Also known as a VET
        Loan Assistance approved provider, or VET Loan Assistance approved Registered
        Training Organisation (RTO).
Student
     - people who are studying, have studied and people who may have never studied,
        yet have been signed up for a course with a VET loan.




Equitation Science International Pty Ltd – TOID: 41254 | 3 Wonderland Avenue, Tuerong Vic 3915

Tele: 0477 000 145 | Website: www.esi-education.com     - VCID.VSL.04                        28 | P a g e

Issued: 10/2018.v1; 01/2019.v5
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