The first and second years of an Australian Apprenticeship can be financially difficult for those entering the workforce for the first time.

Support is available to help you when you need it most - at this early stage of your career.

Depending on the Australian Apprenticeship you do and your situation, you may be eligible for one or more forms of financial support.

Trade Support Loans

For apprentices

Trade Support Loans are loans paid in instalments totalling up to $20,000, over the life of the apprenticeship. These loans help Australian Apprentices with everyday costs while they complete their apprenticeship.

The Programme started on 21 July 2014.

Trade Support Loans are available to Australian Apprentices undertaking a certificate III or IV level qualification leading to certain priority trade occupations that currently appear on the National Skills Needs List as well as a number of agriculture and horticulture qualifications at the certificate II, III and IV levels. For more information on eligible qualifications, please refer to the Trade Support Loans Priority List Fact Sheet.

Living Away from Home Allowance

The Living Away From Home Allowance (LAFHA) is an allowance for eligible Australian Apprentices of any age during the first three years of training if they have to move away from their parents’ or guardians’ home in order to take up or retain an Australian Apprenticeship.

The allowance is available to eligible full and part-time Australian Apprentices and Australian School-based Apprentices during the first three years of their training.

User Choice

User Choice is a national policy whereby State and Territory Governments fund RTOs to provide structured training to Australian Apprentices.

These funds reduce the cost of the training that an Australian Apprentice or the employer will have to pay under an Australian Apprenticeship.

The amount of funding and training available under User Choice is different in each State and Territory, with each State and Territory having different priority areas to direct their User Choice funds.

Youth Allowance and ABSTUDY

Australian Apprentices may also be eligible to access fortnightly payments delivered by Centrelink.