Our Services

Student Loans | Fast, Accessible Financing for Your Education Journey

Why Choose 13Loans for Your Education Financing Needs?

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Quick Approval Process

Get funds when you need them, not when it’s too late

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Personalized Service

Work directly with experienced brokers who understand student needs

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No Hidden Fees

Complete transparency throughout the loan process

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20+ Years Experience

Benefit from our extensive industry knowledge

Student Loans Made Simple

At 13Loans, we understand that investing in your education is one of the most important decisions you’ll make. With over 20 years of experience serving students across Melbourne and Australia, our family-owned brokerage specializes in delivering fast, flexible study loans with personalized support every step of the way.

Education is your pathway to a brighter future, and we’re committed to making that journey financially accessible. Whether you’re pursuing undergraduate studies, postgraduate qualifications, vocational training, or international education, our experienced team will help you navigate the complex world of student financing to find the perfect solution for your unique circumstances.

Application Guide

Initial Consultation

We discuss your educational goals, financial situation, and timeline

Loan Research

Our experts identify the most suitable student loan options for your specific requirements

Documentation Assistance

We guide you through gathering necessary paperwork with minimal hassle

Application Submission

We handle the application process, maximizing your approval chances

Ongoing Support

We continue to provide advice throughout your educational journey

Ongoing Support

We continue to provide advice throughout your educational journey

Loan Options We Offer for Students

HECS-HELP

The Higher Education Contribution Scheme (HECS-HELP) assists eligible Commonwealth-supported students with paying their student contribution amounts. Our experts can guide you through the application process, help you understand repayment thresholds, and advise on how HECS-HELP might impact your overall financial planning.

FEE-HELP

FEE-HELP is designed for students in fee-paying places who need assistance covering tuition costs. Our advisors can explain eligibility requirements, loan limits, and repayment conditions, ensuring you make informed decisions about financing your higher education journey through this government loan program.

VET Student Loans

For vocational education and training courses, VET Student Loans provide essential financial support. We'll help you navigate the approved course list, understand loan caps for different study areas, and complete the application process with confidence to support your skills development.

Student Start-up Loan

Access financial support for essential study materials and living expenses as you begin your education. This voluntary loan option helps eligible students receiving Youth Allowance, Austudy, or ABSTUDY with the significant upfront costs associated with starting your studies.

Personal Education Loans

vernment assistance isn't available or doesn't cover all your needs. These tailored loans can cover tuition, textbooks, technology, and living expenses with competitive rates and student-friendly repayment terms.

Benefits of Choosing Us

Expert Guidance

Navigate complex government and private loan options with confidence

Holistic Planning

Integration of your education financing with long-term financial goals

Time-Saving

Simplified application processes and paperwork assistance

Cost-Effective

Identification of the most affordable financing options for your situation

FAQs

How quickly can I get approved for a student loan?

At 13Loans, we pride ourselves on our fast approval process. Depending on the loan type and your documentation readiness, many education financing options can receive approval within 24-72 hours, with funds available shortly thereafter. Government programs may have predetermined disbursement schedules.

Can I apply for multiple types of study loans simultaneously?

Yes, many students utilize a combination of government assistance and private financing to cover all educational and living expenses. Our advisors can help create a comprehensive funding strategy that optimizes available resources while minimizing overall debt burden.

What if I'm studying part-time? Can I still access student loans?

Absolutely! We understand that many students balance education with work and family responsibilities. Several financing options accommodate part-time study, though eligibility criteria and loan amounts may differ from full-time programs. Our experts will identify the most appropriate options for your study schedule.

Will applying for education financing affect my credit score?

Most private student loans will require a credit check, which can temporarily impact your score. However, many government programs don’t affect credit ratings. Our pre-assessment process helps identify suitable options before formal applications, minimizing unnecessary credit inquiries.

Can international students access Australian student loans?

While most government programs require citizenship or permanent residency, international students have several financing options. From specialized international student loans to programs from your home country that can be used abroad, our advisors can help identify viable funding sources for international education.

Who is Eligible?

Wondering if you qualify for education financing? While specific eligibility criteria vary by loan type, general requirements often include:

  • Enrollment Status: Full-time, part-time, or conditional acceptance to an accredited institution
  • Course Type: Approved courses of study (varies by loan program)
  • Citizenship/Residency: Australian citizenship or permanent residency for government programs; alternative options for international students
  • Academic Progress: Maintaining satisfactory academic performance for continued funding
  • Age Requirements: Minimum age requirements (typically 18+ or with guarantor)

Our expertise lies in identifying suitable loan options based on your specific educational situation, regardless of whether you’re a domestic student accessing government support or seeking private financing alternatives.

What happens to my student loan if I change courses or institutions?

Loan portability varies by program. Many government loans accommodate course changes within eligible programs, while private loans may require notification or adjustment. Our ongoing support ensures you understand the implications of academic changes on your financing arrangements.