# Additional costs

**Source**: https://www.sydney.edu.au/study/fees-and-loans/other-costs.html
**Parent**: https://www.sydney.edu.au/study/applying/how-to-apply/postgraduate-research.html

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## Additional costs, fees and incidentals

In addition to tuition fees, you need to consider other study-related expenses and administrative fees.

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## For all students

### Student services and amenities fee (SSAF)

You pay the [student services and amenities fee (SSAF)](/students/ssaf.html) each semester to fund non-academic services and to support University programs. Rates are determined by the Australian Government and set on an annual basis.

#### Loan for domestic students

If you're a domestic student, you can apply to defer all or part of your SSAF through the [SA-HELP government loan](/students/help-loans/sa-help.html).

### Materials and equipment

Most courses and units of study have required or recommended [course materials and equipment](/students/materials-equipment.html), such as textbooks, readers and clothing.

### Living costs

You need to account for living costs such as accommodation, food and lifestyle expenses. Check our  for estimates.

### Surcharges, overdue fees and penalties

Certain payment methods may have surcharges. You may also be charged an overdue fee or penalty for late payments.

- [How to pay your fees](/students/paying-fees.html)  false
- [Overdue fees and penalties](/students/paying-fees/unpaid-fees.html)  false

## International students only

### Overseas student health cover (OSHC)

[Overseas student health cover (OSHC)](/study/fees-and-loans/other-costs/health-cover.html) is required for international student visa holders who are studying in Australia. The cost of your cover will depend on your circumstances and the duration of your stay.

You will be required to pay or give proof of your OSHC during acceptance of your offer.

### Application processing fee

You need to pay a non-refundable application processing fee of **A$150.00**. This fee covers all applications made within one year (two semesters or four research periods).

### Exemptions

You don't have to pay the application processing fee if you are any of the following:

- **A current student at the University**\
   In the application form, answer "Yes" to the question "Are you currently enrolled at the University?" and enter your student ID number.
- **Recipient of a full scholarship or sponsorship\** In the application form, upload a copy of your financial guarantee letter in the scholarships section.
- **An eligible applicant who has attended a recruitment event or roadshow**, has proved they meet the entry requirements for their course and has a signed fee waiver form.

After confirming the information you've provided, we'll waive the fee at the University’s discretion. Generally, fee waivers are not available for programs that have a quota.\

### Payment options

You can pay the fee by Visa or MasterCard by completing the secure online credit card payment screen at the end of the online application form.

Credit card surcharges apply.