Southern Cross University
SCU interest-free student loans
Small interest-free loans, from $100 emergency loans to $1,500, for SCU students whose study is at risk from financial hardship.
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Free
Interest-free loans from $100 (emergency) up to $1,500, including a $1,000 placement loan.
Who can get it
- Australian students, permanent residents and full-fee onshore international students enrolled in a Commonwealth-funded course at SCU.
- Must show genuine need and that study is at risk because of financial hardship.
- Not available to exchange students.
The numbers
| Level One (emergency) | $100, repaid within 1 month |
|---|---|
| Level Two | $200, up to 4 months |
| Level Three | $500, up to 8 months |
| Level Four (placement of 2+ weeks) | $1,000, up to 8 months, repayments start 2 months after issue, guarantor needed |
| Level Five | Up to $1,500, up to 10 months, guarantor needed |
How to claim
- Submit the Student Loans eForm.
- Book a student loan appointment through CareerHub.
Conditions and catches
- First-time borrowers can borrow up to $500.
- Level Five is only for students who repaid a Level Three loan on time.
What the source says
Exact words quoted from the official page when we checked it. Last checked 14 Oct 2026.
Student loans are not available to exchange students.
The University operates a Student Loan Scheme designed to provide small interest-free loans to currently enrolled students.