Returning to study

Get started

Returning to study is a big decision to make, with lots of things to consider financially. Get started by reading Four things to consider if you're returning to university to study.
Useful tools

Woman paying bills from bank account online
Online budget planner
Need help working out a budget? Try our Budget Planner. Enter your annual income and expenses to assess your financial position.
Useful products

Classic Visa Card
Our Classic Visa Card offers a competitive interest rate, low annual fee and credit limits starting from $1,000.
Personal Loans
Our personal loans can help you get what you want now with fixed interest rates, unlimited extra repayments and online redraw. Find the best rate personal loan for you.
Financial planning 
Heritage has teamed up with Bridges, one of Australia‚Äôs largest, national financial planning organisations, to offer you professional financial advice.