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It’s not hard to understand why so many international students want to move to Australia. The country has a world-class education system, excellent climate, and high quality of life. But studying in Australia can be expensive – and you need to be financially prepared before you take the leap.
In this blog, we’ll help you get started. We’ll explore the student loan options available for international students in Australia, as well as other ways to fund your studies.
Before you begin to research student loans, it’s important to understand how much it costs to live and study in Australia. You can use the Course Search Tool to find out detailed tuition fee for your dream course and the Cost of Living Calculator to estimate the living cost based on the city you want to move to.
Australia’s student loan system is known as the Higher Education Loan Program (HELP). Unfortunately, HELP can only be accessed by Australian citizens or individuals who hold a humanitarian visa. However, there are still lots of other student loans available for international students in Australia.
Universities across Australia provide loans for local and international students. Most institutions offer both short-term and long-term loans; these can help students cover emergencies, as well as pay for bigger expenses.
Here are a few examples of what some universities offer:
The University of Melbourne will loan eligible students up to$5,000 AUD ($3,883 USD) if they have an Australian co-signer. They’ll loan students up to $3,000 AUD ($2,330 USD) if their co-signer lives overseas or isn’t an Australian citizen/ permanent resident.
The University of Sydney offers loans up to $2,000 ($1,550 USD), which can be paid back up to two years after graduation.
Students in need of financial assistance at Monash University can take out loans between $750-$3,000 AUD ($544 – $2,330 USD), to be paid back within 6-12 months.
Universities across Australia offer similar loans. It’s best to check directly with your institution to see exactly what loans are available to students – and to make sure you’re eligible.
You might be eligible to take out federal student loans in your home country to study in Australia. For example, students from the U.S., Canada, Sweden, Norway, or Denmark who attend the University of Sydney can access government funding from home.
A private loan is one of the simplest forms of international student loans in Australia: you borrow money from a bank or similar lender and repay the loan (with interest) over an agreed-upon period of time. These loans can be secured – which means they’re tied to collateral – or unsecured. But with unsecured loans, interest rates are usually higher.
Student loans aren’t the only way to pay for your education in Australia. Here are a few other options to consider:
Many international students are attracted to Australia because they know they’ll be able to work. Unlike other studies abroad destinations, you can work up to 48 hours every two weeks while studying and unlimited hours during study breaks on an Australian student visa. Even more, the minimum wage in Australia is $24.10 per hour or $915.90 per week – meaning many international students are able to pay for some of the costs associated with living in Australia while they study.
There are a number of scholarship opportunities for international students in Australia – both funded by the government, and universities. Some, like Australia Awards scholarships, support students with full tuition, living costs, and airfare. Check out the Australian Government’s search tool to find a scholarship that’s right for you.
Read more: scholarships for international students in Australia
To apply for a student visa in Australia, you need to prove you have sufficient funds. For this reason, many students decide to take out a private bank loan in their home country before coming to study in Australia.
As you can see, there are lots of ways to fund your studies in Australia as an international student. But everyone’s financial situation is different, so we recommend doing lots of research to find a loan you feel confident about – and one that will work for you both during, and after university.
Still, deciding where in the world you want to study? Check out our article types of loans for international students, which explores more loan options in Canada, the U.S., and the U.K.
We are not immigration agents. For all up-to-date information about visa rules and regulations, see the official guidelines on the Australia Department of Home Affairs website.
Last updated 20 December 2024.
The Summarize Group Discussion task is one of the most comprehensive speaking challenges in PTE Academic. It tests your ability to listen actively, take effective notes, and deliver a coherent summary that captures multiple perspectives.
Understanding how to approach this task strategically can significantly boost your speaking score.
The "Respond to a Situation" task in the Speaking section of PTE Academic tests your ability to handle real-world university scenarios using appropriate language. This task simulates everyday campus interactions, requiring you to respond naturally and effectively to common situations you might encounter as a student.
Knowing your English level helps you pick the right course, get visas, and make strong applications for work or school. In short: proficiency levels are standard descriptions of what you can do in reading, listening, speaking, and writing.
You can check your level with trusted online tests or official exams like PTE Academic or PTE Core, which give scores based on global standards. Below, we explain how levels are defined, how they’re tested, how to estimate your current ability, and what different goals usually need, so you can plan your next step with confidence.
Language proficiency levels show how well you can read, listen, speak, and write. These levels follow shared standards so schools, employers, and governments around the world can easily understand your skills.
The most common system is the Common European Framework of Reference for Languages (CEFR), which rates language ability from beginner (A1) to highly advanced (C2). A recent overview explains CEFR’s role as a standard for designing tests and interpreting scores across countries and programs and notes ongoing efforts to keep it up to date for modern assessments.
Pearson’s Global Scale of English (GSE) provides a more granular 10–90 scale that also aligns to CEFR tiers. This makes it easier to see fine-grained progress and map scores to CEFR bands.
Typical CEFR levels at a glance:
A1: Understand and use everyday expressions; introduce yourself; ask and answer simple questions
A2: Handle routine tasks; describe immediate needs and simple aspects of daily life
B1: Understand main points of clear standard input; produce simple connected text; manage travel or work situations
B2: Interact with fluency on familiar topics; write clear, detailed text; follow lectures with some support
C1: Use English flexibly and effectively in academic and professional contexts; understand demanding texts
C2: Understand virtually everything heard or read; summarize information coherently; express nuanced ideas precisely
Common uses:
A1-A2: Mainly used for basic immigration visas, family reunification, entry-level work or training programs, and integration courses where simple everyday communication is sufficient.
B1–B2: Many vocational programs, initial professional roles, and some visa pathways
B2–C1: Most undergraduate admissions and professional certifications
C1–C2: Postgraduate study, specialized professions, and roles requiring complex communication
Proficiency is measured across four core skills:
Reading:Understanding texts, identifying main ideas and details, and interpreting vocabulary in context
Listening : Following speech at natural speed, recognizing key information, and inferring meaning
Speaking: Producing clear, organized speech; using accurate grammar, vocabulary, and pronunciation
Writing: Composing well-structured texts suited to purpose and audience; demonstrating control of grammar and cohesion
The scoring for most English language tests is measured against the CEFR. For The scores for PTE Academic (for studying and work) and PTE Core (for general use and migration), align to CEFR with scoring between 10 and 90. Learn more about PTE scoring alignment.
Build a reliable picture by mixing official tests with quick checks and reflective habits:
Take a recognized practice test: Use an official Pearson PTE Scored Practice materials Test
or other reputable online assessments to estimate your CEFR level and identify strengths and gaps
Practice with PTE-style items: Work through sample reading tasks (e.g., fill-in-the-blanks), listening summaries, and short spoken responses to simulate real test conditions.
Use self-analysis prompts that match the CEFR level you are aiming for: For example, ask, “Can I follow a university lecture?”, “Can I write a formal email with clear structure?”, “Can I explain a process or opinion for 60–90 seconds?”
Requirements vary, but many universities, colleges, professional bodies, and visa authorities set minimum thresholds around B1–C1, or the equivalent GSE score range of 43-84 for PTE Academic and PTE Core. . Some UK family and settlement visas require A1 or A2 level. Always confirm details with the program or government authority.
Typical requirement ranges (illustrative):
University / College admission:
Undergraduate: Often B2; competitive programs may prefer C1
Postgraduate: Commonly C1
Professional certification:
General professional registration: Frequently B2–C1
Visa/migration pathways:
Skilled migration: Typically B1–B2+ equivalents; some routes require higher levels depending on occupation
Family visas: Often A1-A2.
For Canadian migration scenarios, explore PTE Core requirements and pathways here.
For UK migration, consider PTE UK visa SELT tests.
For many learners, English isn't just the goal; it’s the way to get degrees, licenses, and international jobs. Universities and employers look at test scores to decide who to admit or hire. Once students are in university or at work, success depends on great communication (reading, listening, speaking, and writing) skills, whether it's doing research or talking to clients.
Research indicates that higher English proficiency supports academic performance and integration for international students, improving classroom participation and social engagement. In the workplace, clear communication underpins teamwork, safety, and advancement, making ongoing skill development a career investment, not just a test goal.
Target all four skills with short, consistent practice:
Daily core routine (20–40 minutes):
Listening: Listen to 2–3 minutes of a podcast or lecture; note new phrases
Speaking: Answer one daily Q&A aloud (60–90 seconds) on familiar topics
Reading: Skim a news article; summarize the main idea in two sentences
Writing: Draft a short email or 120–150 word paragraph; focus on structure and linking words
Quick wins:
Grammar and vocabulary: Do 10 fill-in-the-blank or sentence completion items; build a personal word bank with examples
Reading for context: Underline signal words (however, therefore) and infer meaning of three unknown words from context
Listening focus: Practice identifying the overarching meaning first, then the key details and numbers
Feedback loop: Swap writing with a friend or use self-scoring checklists; act on one improvement point per day
To prepare for your English exam, practice with practice tests that are similar to your actual test and check the scoring guidelines to make sure your answers meet the expectations. If you aren't sure where to start take our 'Which test is right for me?' tool. You can also read our article 'How to pick an English test that works for you'.
Practice short answers to everyday prompts like “What did you do today?” and “What do you like to eat?” to build fluency and reduce hesitation.
Use clarifiers such as “Could you repeat that more slowly?” or “Do you mean…?” to confirm meaning and keep the conversation clear.
Do fill-in-the-blanks, sentence completion, and synonym/antonym matching to reinforce patterns and expand word choice.
Study common task types (reading comprehension, short writing, gap-fill, brief speaking responses) and practice them under timed conditions to build accuracy and pacing. You can also try practice tests to get used to the format of a specific test, like PTE.
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