International student loans
No interest student loans are available to eligible international students to cover the costs of unforeseen circumstances that directly impact on your studies at Charles Sturt University.
To be eligible to apply for a loan, you must:
- be an on-shore international student at one of the regional campuses: Albury-Wodonga, Bathurst, Dubbo, Orange, Port Macquarie or Wagga Wagga
- be an active student currently enrolled in and undertaking subject(s) in an award course or a non award student at Charles Sturt University
- be a commencing student or continuing student at Charles Sturt University
- be making satisfactory academic progress
- not have any outstanding debts owed to Charles Sturt University
- have the capacity to be able to repay the loan.
The Charles Sturt University International Student Loan Program Guidelines contains information about how we operate the Loans Program. This includes includes the
- eligibility criteria
- application and approval procedures
- repayment and recovery processes.
Download our International Student Loan Program Guidelines [PDF]
Types of loans
Emergency loans of up to $300 are available where there is a temporary shortfall due to emergency circumstances.
Short-term loans of up to $1000 are available to meet study-related expenses in ordinary circumstances.
What loans can be used for
Emergency loans can be used to meet expenses such as:
- emergency accommodation
- emergency medical expenses
- expenses associated with medical or family crisis, including returning home and where the money is required urgently (i.e. within one week)
- ongoing living expenses where there is a temporary shortfall due to emergency circumstances.
Short-term loans can be used to meet expenses such as:
- Textbooks, readers, journals
- Course equipment
- Travel and accommodation costs for compulsory placements
- Study related equipment such as a computer
- General and ongoing living expenses where there is a temporary shortfall
- Emergency medical and dental expenses
- Bond, rent in advance, and rent arrears
What loans can't be used for
Loans will not be granted for:
- on-campus accommodation
- payment of course fees
- debt consolidation
- fines (University or other).
Contact email@example.com to discuss your options for meeting these expenses.
Before you apply
Before you apply for a loan, looks at other options, including:
- grants and scholarships
- low cost computers
- secondhand textbooks
How much can I borrow?
Short Term loans are usually available up to $1000. Emergency Loans are usually available up to $300.
Can I get a loan to pay my course fees?
Loans will not be granted to pay course fees or other expenses owed to Charles Sturt University. Contact firstname.lastname@example.org to discuss your options regarding these types of expenses.
Do I need a guarantor?
No, international students are not asked to provide guarantors.
Can I apply for more than one loan?
You may only take out one loan at a time.
How do I repay the loan?
Loans are repaid in weekly or fortnightly instalments at the Cashier's office or through the our online payment system.
What if I can't make my loan repayment?
If you cannot repay the loan (or the instalment) by the agreed date, it is essential that you contact email@example.com before that date, to negotiate repayment arrangements. Failure to do so may result in administrative/penalty charges, the withholding of your examination results and refusal or cancellation of your enrolment.
What supporting documentation do I need to provide?
You will need to provide:
- proof of your income (most recent ATO notice of assessment and pay slips, bank statements showing regular deposits, or a statement from your parents supporting any allowance paid to you)
- a copy of your Charles Sturt Student ID Card.
If you are applying for a short-term loan, you will also need to provide a written quote or invoice for the item/s to be purchased.
If you are applying for an emergency loan, you will also need to provide supporting documentation of emergency circumstances if possible. This may include a police report, eviction notice, SLO (International) Critical Incident Report, medical bills, or statutory declaration.
What if I don't have supporting documentation?
If you are unable to provide supporting documentation, outline the reasons for this in your application. For example, if you have lost your wallet containing your identification, include this information in your application.
How is the loan paid to me?
Loans are normally paid into the bank account nominated on the loan application form, and may take up to five working days to be credited. In certain circumstances, it is possible for a cheque to be issued and made payable to the organisation to which the student has a debt. In emergency situations it may be possible that the loan be paid in cash.
How do I repay the loan?
Loans are repaid in weekly or fortnightly installments at the Cashier's office or through the our online payment system.
How long do I have to repay my loan?
Emergency Loans of up to $300 must be repaid in full within 4 weeks. Short Term Loans of up to $1000 must be repaid in full within 40 weeks.
What happens if I discontinue my studies before I have repaid the loan?
If you discontinue your studies, the balance of the loan becomes payable immediately.
How will I be notified about the outcome of my loan application?
You will be notified by email to your student email of the outcome of your application.
How do I appeal if I am refused a loan?
If you wish to appeal against the decision on your loan application, please outline your request to have the decision reviewed in an email with the subject line Appeal and send it to firstname.lastname@example.org
Your request will then be considered by the Charles Sturt University Loans Committee.
You will need copies of the following documents before you begin the application process:
- Proof of income (most recent ATO notice of assessment and pay slips, bank statements showing regular deposits, or a statement from your parents supporting any allowance paid to you)
- Charles Sturt Student Card
- Written quote or invoice for the item/s to be purchased with the loan funds (short term loans) or evidence of the circumstances leading to your application (emergency loans)
If you are unable to provide supporting documentation, outline the reasons for this in your application.
Complete the International Student Loan Program Application Form and email it to your Student Liaison Officer (International) along with copies of your supporting documentation.
What happens next?
The Student Liaison Officer (International) will contact you to discuss your application, including your budget, repayments and other forms of financial support for which you might be eligible.
Your application will be processed by the Student Liaison Officer (International) who will liaise with Finance to confirm your eligibility.
You will be asked to complete the Loan Agreement form. This is a legal document that outlines the conditions of the loan.
You will be notified of the outcome of your application.
The loan funds will be disbursed, either to your bank account or in person at the Cashier's Office on campus.
Need advice or assistance?
For more details contact your Student Liaison Officer (International) on campus.