You incur a FEE-HELP debt immediately after the census date for each unit of study for which you have received FEE-HELP assistance.
If you have requested a FEE-HELP loan, but change your mind about studying, you must either cancel your Request for FEE-HELP assistance form (see Do I need to cancel my Request for FEE-HELP assistance form if I no longer wish to receive FEE-HELP loans?) or withdraw your enrolment in each unit of study on or before its census date or you will incur a debt (see What happens if I withdraw after the census date?).