The Courses offered by Online Study Pathway Australia (OSPA) are through the VET FEE-HELP Approved Educational Providers. VET FEE-HELP is a Loan Scheme for the Vocational Education and Training (VET) sector that is part of the Higher Education Loan Program (HELP). These are Australian government loan schemes that can help you pay for all, or part of, your tuition fees. Repayments start through the Australian Tax Office (ATO) system once you are in the work-force and your income rises above the minimum repayment threshold.