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Loans And Allowances

Student loans

A student loan can help you pay for your tertiary education but it is a loan that you must pay back. You can get a student loan to cover compulsory fees, course-related costs and living costs. To help with your budget use the budget calculator under Quick Links. To receive a student loan, you will need to be a New Zealand citizen, permanent resident or refugee. In addition, the programme you are studying must be:

  • Approved by the Tertiary Education Commission; and
  • Full-time (or limited full-time with approval); or
  • Part-time and 32 weeks or longer.

For further information please contact StudyLink or freephone 0800 88 99 00. A student allowance can help you with your living costs while you are studying.

To receive a student allowance, you will need to be a New Zealand citizen, permanent resident or refugee. In addition, you need to be:

  • 18 years or over (some 16 and 17-year-olds also qualify); and
  • Studying full-time (or limited full-time with approval); and
  • Enrolled in a recognised programme approved by the Tertiary Education Commission; and
  • Receiving income of $180 a week or less before tax (your parents' income is also tested if you're 18 to 24 years old and single).


For further information please contact StudyLink on freephone 0800 88 99 00 StudyLink

Student allowances

StudyLink is a service of the Ministry of Social Development and is responsible for student allowances, student loans and unemployment benefit student hardship. StudyLink works in co-operation with tertiary institutions and student bodies to ensure that students get the finance they are entitled to so they can complete tertiary study. You might want to contact StudyLink if you think you qualify for a student loan or allowance