Tarmac12,
You seem to be under the impression that Fee-Help pays your fees. It is only a loan. To access an ~$86K Fee-help loan you will also need to pay for an academic postgrad uni course at ~$15k as well.
If the scheme works via VET-Fee Help, then no academic course fees are payable, but there is an upfront $20K loan fee.
One way or another, access to Fee-Help will cost you an extra $15-$20K.
Paying up front is much cheaper overall if you have access to the cash.