Financial Hardship Policy and Procedure

At Pilates ITC, we’re committed to supporting you if you’re experiencing financial difficulties—so you can continue your education without added stress. This policy outlines how we identify, assess, and assist students facing financial hardship, in line with the Standards for Registered Training Organisations (RTOs) 2025, ASQA guidelines, and Australian Consumer Law.

Financial hardship means you're unable to meet your financial obligations due to unforeseen circumstances, such as:

• Loss of income or employment

• Medical emergencies or health issues

• Family or personal crises

• Natural disasters or other significant events

This policy applies to:

• All students enrolled at Pilates ITC who are experiencing financial hardship

• Pilates ITC staff responsible for managing student fees and providing support services

If you're experiencing financial difficulties, please let us know by submitting a Financial Hardship Application Form. Your application should include:

• A written explanation of your situation

• Supporting documentation, such as:

  • Proof of income or loss of income

  • Medical certificates (if applicable)

  • Evidence of other financial commitments

Our Student Support Team will:

• Review your application and documents within 5 business days

• Assess your financial situation and determine eligibility for assistance

• Handle your application confidentially and in accordance with our Privacy and Data Management Policy

We offer the following support options:

• Flexible Payment Plans We can adjust your payment schedule to suit your needs—weekly, monthly, or aligned with your pay cycle. However, please note that this option does not allow for the paid amount per month to be altered.

• Deferral of Studies - You may apply for a deferral of your studies. However, as outlined in our Deferral Policy, deferrals aren’t permitted during a current pathway unless in the case of extenuating circumstances.

You’ll receive written notification of the outcome within 5 business days of submitting your application. If approved, we’ll include:

• Details of the assistance provided

• Any conditions or requirements

If your application is not approved, we’ll explain why and let you know how to appeal the decision under our Complaints and Appeals Policy.

Our Student Support Team will:

• Monitor your progress and compliance with any agreed payment arrangements

• Conduct regular reviews to ensure the support remains appropriate

You are responsible for:

• Submitting accurate and complete information

• Following any agreed payment arrangements or conditions

Our Student Support Team is responsible for:

• Assessing applications promptly and fairly

• Providing clear communication and support

Our Management Team is responsible for:

• Ensuring this policy is implemented effectively and complies with all relevant regulations

If you have questions or need support, please don’t hesitate to reach out. Our friendly Student Services Team is here for you. Visit our Contact Us page for details.

This policy aligns with the Standards for RTOs 2025, including:

• Clause 1.6 – You must have access to the support services you need to meet the requirements of your training

• Clause 7.2 – We must protect your fees and ensure fair treatment, especially if you’re experiencing financial hardship

• Australian Consumer Law – Ensures your rights are protected as a consumer, including during times of financial difficulty

Disclaimer: This Policy / Procedure when printed, this becomes an uncontrolled document.  

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