Course Payment Options

These course payment options are available to all students (subject to eligibility) undertaking training at any of the Niche Education Group divisions which include:

  • Australasian Academy of Cosmetic Dermal Science (AACDS)

Niche offers a range of flexible payment options which include fee for service and payment plans. Find one that suits your budget and preferred way of paying bills.

Option 1 - General Fees/Fee for Service

Students studying either online or on campus can pay per Unit of Study prior to commencing their studies, either by direct transfer, credit or debit card, cash, bank cheque or money order. Fees will vary depending upon the chosen course and study load. You can choose to enrol as a full time, part time and even per unit student at some training divisions, depending on your work, family and financial commitments. This option has no additional costs and is good to minimise the total costs for study ultimately paid.

Option 2 - Payment Plan

If making payments more manageable is your priority, why not take advantage of payment plan option? Direct Debit gives you the flexibility to make weekly payments which are automatically deducted from your nominated bank account. Niche has an instalment payment arrangement drawn over the duration of each course. Students choosing this option are required to complete a Direct Debit or Credit Card Authorisation through our Direct Debit Agent (Debit-Success).


  • Payment plans attract a 4% interest rate and will also incur a $12 establishment fee
  • Students using the payment plan option will be issued their qualification once fees have been paid in full
  • The payment plan option is not available for Unit Cluster 1.3 Communications or the IPL Laser Safety Officer's Certificate

Option 3 – VET Student Loans

VET Student Loans is an Australian Government loan scheme that assists eligible students to pay their tuition fees for certain eligible courses (10453NAT Diploma of Personal Care Formulation) listed on the Approved Course List and undertaken at approved course providers. It allows students to borrow funds up to the cap set for their chosen course of study and up to their FEE-HELP limit to help pay for part or all of their tuition fees. Students who access VET Student Loans assistance will have a loan from the Commonwealth who will, on the student’s behalf, pay their tuition fees to their approved VET provider up to the capped amount.

Eligible full-fee paying students have the opportunity to apply for a government loan to help pay tuition fees.

Are you eligible? Click the link below to find out.

For more comprehensive information about VET Student Loans and how it can apply to you, please go to the following link:


  • Additional course requirements cannot be funded by VET Student Loans
  • VET Student Loans are a repayable loan and attracts a 20% loan fee increasing the total amount payable to the government

Other Options - Fee support and tax deductions

Student and/or Personal Loans

Most banks offer student loans at fairly competitive rates to students studying Nationally Accredited courses. For a comparison between student loans, please visit:

MacCredit provides flexible payment plans for career development and education with plans starting from $4,000. For more information, please contact MacCredit directly on 1300 884 355 or visit

NAB (National Australia Bank) can also offer a personal loan to eligible candidates, please contact NAB directly for more information:

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Students should carefully consider all impacts of undertaking debt and are encouraged to seek independent financial advice when considering funding and payment options. It is solely the choice of the student how they choose to pay their tuition fees and the purpose of the above is to demonstrate broadly student’s options. Any advice provided by Niche is general in nature and should not be taken as financial advice. Students must perform their own independent research of finding options available.

Government Support from Centrelink

Austudy & Youth Allowance:
Provides financial help to full-time students (each have different eligibility criteria).
Please visit: to assess if you are eligible.

Tax Deductions

There are a number of tax deductions available to eligible students when studying a course directly related to employment. Please visit the Australian Taxation office website for further information:

Students with an Australian Business Number (ABN) may also benefit from tax deductions.

You should contact a Registered Tax Agent for advice regarding any eligibility for tax deductions.

Payment Comparison Table

(based on course fees of $10,000)

(Click image to view larger)

For further information about your payment options, please contact:

AACDS Administration
08 9328 6760