Education Debt Recovery: Schools, RTOs & CRICOS Providers

Recovering overdue student fees requires empathy, sector knowledge and compliance with education regulations. Bluechip supports primary and secondary schools, RTOs, VET providers, colleges, and CRICOS-registered institutions in recovering unpaid tuition while preserving relationships with families and students — domestic and international.

Common Pain Points for Schools, RTOs & CRICOS Providers

• Parents or students avoiding communication after reminders
  
• Sensitive family or financial hardship scenarios requiring empathy
  
• Unpaid fees impacting operational budgets
  
• International students who default after visa refusal or CoE cancellation
  
• RTO/VET students withdrawing mid-course without paying outstanding balances
  
• Disputes around refunds, credits, census dates or course progress
  
• Gaps in documentation for ASQA/ESOS compliance
  

How Bluechip Recovers Student, RTO & CRICOS Arrears

We tailor our approach to education policies and compliance obligations across the sector:

Schools & K–12 Providers

• Student fee recovery (annual/term-based fees)
  
• Payment plan setup with parents
  
• Hardship-sensitive approach\
• Reconciliation of credits, sibling discounts, scholarships

RTOs & Vocational Training Providers

• Recovery of fees for domestic and international students
  
• Course withdrawal arrears
  
• Census-date-related invoice disputes
  
• Outstanding fees for short courses, diplomas and VET qualifications
• Documentation handling for ASQA compliance

CRICOS-Registered Providers

• Recovery of unpaid international student tuition fees
  
• Arrears arising from:
  
  • Visa refusal
    
  • Student default
    
  • CoE cancellation (Confirmation of Enrolment)
    
  • Course progress-related suspension/withdrawal
    
• Communication aligned with ESOS Act & TPS obligations
  
• Sensitive handling of cultural and language considerations
  
• Full audit trail for compliance purposes

Professional Contact Framework

• Empathetic, respectful student and parent communication
  
• Multi-channel reminders (phone, SMS, email)
  
• Clear, policy-aligned scripts
  
• Full communication history maintained

Operational Support

• • Reconciliation of fees, credits and variations
    
  • Weekly updates to finance teams
    
  • Payment plan monitoring
    
  • Dispute breakdowns for internal decision-making

Optional Pre-Debt Reminder Workflow

• Highly effective in education sectors:
• SMS + email reminder cycles
  
• Soft engagement before escalation
  
• Perfect for term invoicing, RTO intakes and CRICOS cohorts
  

Pricing (Collections Commission + Optional Pre-Debt)

Collections Commission Schedule (Standard Bluechip Rates)

• 6.5% — Over $100,000
  
• 10% — $50,001 – $100,000
  
• 12.5% — $30,001 – $50,000
  
• 15% — $10,001 – $30,000
  
• 20% — $5,001 – $10,000
  
• 25% — $1,001 – $5,000
  
• 35% — $100 – $1,000

Additional Conditions

• Debts older than 12 months: +5% surcharge
  
• Under $500: $10 + GST loading
• No recovery, no commission

Optional Pre-Debt Recovery Pricing

• 1–10 accounts: $25 + GST / month
• 11–20 accounts: $40 + GST / month
• 21–50 accounts: $70 + GST / month
• 51–100 accounts: $120 + GST / month
• 101+ accounts: Custom

Billed monthly in advance.

Need a Compliant, Sensitive Approach to Recovering School, RTO or CRICOS Arrears?
Get started with Bluechip today.