Private payment options for Australian students

INVEST IN YOUR FUTURE WITH COLOUR COSMETICA ACADEMY: ACCESS AUSTRALIAN LOANS, GOVERNMENT SUPPORT & COMMUNITY FUNDING

Turn your passion into a profession—with financial support that fits you

Whether you’re studying beauty, makeup artistry, barbering, or hairdressing, Colour Cosmetica Academy offers personalised financial guidance through loans, government programs, and community grants—so your journey starts strong.

Explore Your Funding Options Now!
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Commonwealth Bank (CommBank)

Personal Loans: CommBank offers personal loans that can be used for educational expenses, including tuition fees. They provide a range of loan amounts with competitive interest rates.
Student Loan Options: For students, they also offer tailored loan products with flexible repayment terms.
CommBank Personal Loans

ANZ

Personal Loans: ANZ offers personal loans with low interest rates, which can be used for tuition fees or other educational expenses. They also provide flexible repayment terms and allow you to borrow for your educational needs.
Student Loans: They offer specific financial support and products to students who need assistance with tuition fees.
ANZ Personal Loans

Westpac

Personal Loans: Westpac offers personal loans with fixed rates, which can be used for tuition fees. They provide a range of loan amounts with competitive interest rates and flexible repayment options.
Student Loan Options: Westpac has programs for students to help cover educational costs, with options to defer payments while studying.
Westpac Personal Loans

NAB (National Australia Bank)

Personal Loans: NAB provides personal loans that can help with tuition fees. They offer loans with competitive rates and flexible repayment terms.
Student Financial Support: NAB has a student loan product that can assist with education costs, including tuition fees.
NAB Personal Loans

Pepper Money

Personal Loans: Pepper Money offers personal loans with flexible terms and competitive interest rates. These loans can be used to cover a wide range of expenses, including tuition fees.
Pepper Money Personal Loans

WISR

Student Loans: Wisr is a financial service that offers flexible loans for students. It allows you to borrow money to cover tuition fees with lower interest rates and repayment flexibility, tailored for education.
wisr.com.au

SocietyOne

Personal Loans: SocietyOne is an online lender offering personal loans with low-interest rates that can be used for tuition fees. They provide a streamlined application process and flexible repayment options
SocietyOne Personal Loans

Latitude Financial Services

Personal Loans: Latitude offers personal loans for education purposes, including tuition fees. They offer loans with competitive interest rates, flexible loan amounts, and flexible repayment terms.
Latitude Personal Loans

RateSetter (now known as Plenti)

Personal Loans: Plenti (formerly RateSetter) is a peer-to-peer lending platform offering low-interest personal loans that can be used for education-related expenses, including tuition fees. It offers competitive rates based on the applicant’s creditworthiness.
Plenti Personal Loans

Lendi

Personal Loans: Lendi is a digital platform that offers comparison services for personal loans. It compares
Lendi Personal Loans

Harmoney

Personal Loans: Harmoney is a peer-to-peer lender that provides personal loans with low interest for a variety of purposes, including tuition fees. Harmoney offers flexible loan amounts and repayment terms.
Harmoney Personal Loans
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Centrelink (Services Australia)

Parenting Payment: For students who are parents or guardians (including stepchildren), Centrelink offers Parenting Payment to assist with the cost of raising children. This payment can help with rent and other living expenses.
Family Tax Benefit: If the student has children or stepchildren, they may be eligible for Family Tax Benefit (FTB), which can help with the cost of raising children.
Austudy or Youth Allowance: Depending on the student’s circumstances (such as age and financial need), they may be eligible for Austudy (for students 25 and over) or Youth Allowance (for students under 24). These payments can help cover living expenses while studying at a private RTO.
Rent Assistance: If the student is renting, they may be eligible for Rent Assistance if receiving certain payments like Parenting Payment, Youth Allowance, or Austudy.
Centrelink Services

SA Government – Department of Human Services (DHS)

The Department of Human Services (DHS) in South Australia offers several programs to assist with financial hardship, including Emergency Relief and Rent Assistance for individuals who are struggling with rent or living costs.
DHS South Australia

Banks & Private Financial Institutions

Many banks and private financial institutions offer various financial products and services that may assist with managing costs, such as:
Personal Loans: Some banks may offer personal loans with low-interest rates, which can help cover rent, bills, or school fees.
Overdrafts or Credit Cards: Depending on the individual’s financial circumstances, an overdraft or credit card might help with short-term cash flow problems. However, it’s important to be cautious about interest rates and fees
Financial Hardship Programs: Many banks have financial hardship departments that provide assistance to individuals who are experiencing temporary financial difficulties. These programs can offer payment deferrals or reductions in certain fees. Some banks that offer hardship support include:
Commonwealth Bank: Financial Hardship Assistance
ANZ: Financial Hardship Assistance
Westpac: Financial Hardship Support
Student Discounts: Some banks or financial services companies offer special discounts or packages for students, such as no monthly fees or lower interest rates on loans. Checking with local banks for student-specific products could help.

Private & Community-Based Financial Assistance

St Vincent de Paul Society (Vinnies): They offer financial assistance, including support with rent, utility bills, and other emergency relief services. Students with dependents can apply for this support.
Website: Vinnies SA
Vinnies SA
The Salvation Army: The Salvation Army provides financial assistance programs for families in financial need, including rent assistance, food support, and utility relief.
Salvation Army SA
Anglicare SA: Provides various financial services, including rent assistance, food relief, and budgeting advice for individuals with dependents.
Anglicare SA

Financial Counseling and Support

If the student is struggling with managing finances, they may consider speaking to a financial counselor. These counselors can help with budgeting, managing debt, and finding appropriate financial relief options. Many organizations like Financial Counselling Australia offer free and confidential financial advice and support.
Financial Counselling Australia

Emergency Relief and Rent Assistance

SA Homelessness Services: If the student is at risk of homelessness or needs temporary accommodation, they can contact SA Homelessness Services for support. They can also find information on available emergency relief and accommodation.
Homelessness SA
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Things to consider when applying for personal loans for tuition fees:

Interest Rates: Compare the interest rates from different lenders to ensure you’re getting the best deal.
Repayment Terms: Check the loan terms to ensure they are manageable, especially while you’re studying.
Loan Fees: Be mindful of any additional fees such as setup fees, late payment fees, or early repayment fees.
Eligibility: Ensure you meet the lender’s eligibility criteria, which might include income, credit score, or other factors.

Before committing to any loan, it’s important to carefully assess your ability to repay and consider all available options, such as government assistance programs, scholarships, or other financial aid from your RTO.

South Australian residents may qualify for government funding to support their education at Colour Cosmetica Academy.

Check your eligibility
SHB30516 Certificate III in Barbering - UNISEX
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Why study at Colour Cosmetica Academy?

Over the last 25+ years, we’ve worked with some of the most respected experts in the fashion industry and over thousands of creative professionals from over 10 different countries.

We lead in beauty, hairdressing, barbering, makeup, and style education, celebrating diversity and innovation. Our programs equip students with essential skills for lifelong learning and success in dynamic careers.

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