Student Loans and Allowance

Where do you start?  At the StudyLink website:

You need to get your finances sorted early in order to prepare yourself for a successful start to your tertiary study. You can apply to StudyLink well ahead of time. Go to their link to find out more, or you can ring the StudyLink Hot Line on 0800 88 99 00.

If you are a first time student look here to find out what information you need to gather before you even apply to StudyLink. You will also need to create a RealMe login (so you can prove who you are without paper). To find out more about what RealMe actually is, this link will help.

Once you have the documentation and your RealMe identity, you will be ready to login at StudyLink and go through the steps to apply for financial help.

Student Allowance is a weekly payment to help with your living expenses while you study full-time. You don’t have to pay this back. The amount you receive is based on your combined parents’ income.

The Student Loan can help finance your study. It’s made up of three parts – course fees, course-related costs and living costs. You have to pay a Student Loan back.

There are a number of ways that StudyLink can help with costs while you study or if you are on a study break and can’t find work.


If your daughter is considering taking the big step into tertiary study have a look at  the pages on the StudyLink website.


If you are applying for a loan or allowance, you should do this well in advance as it takes time to process all applications for New Zealand if they arrive at once. You will need to have an IRD number for all applications. To apply for an IRD number you can do it online by filling out an IR595 or call them on 0800 377 778.