Technical and further education or simply TAFE (), is the common name in English-speaking countries in Oceania for vocational education, as a subset of tertiary education. TAFE institutions provide a wide range of predominantly vocational courses. Individual TAFE institutions (usually with numerous campuses) are known as either colleges or institutes, depending on the country, state or territory. In Australia, where the term TAFE originated, institutions usually host qualifying courses, under the National Training System/Australian Qualifications Framework/Australian Quality Training Framework. Fields covered include business, finance, hospitality, tourism, construction, engineering, visual arts, information technology and community work. TAFE colleges are owned, operated and financed by the various state/territory governments. Qualifications awarded by TAFE colleges TAFE colleges award Australian Qualifications Framework (AQF) qualifications accredited in the Vocational Education and Training (VET) sector that align to Certificate I, Certificate II, Certificate III, Certificate IV, Diploma, Advanced Diploma, Graduate Certificate and Graduate Diploma qualifications. In many instances, TAFE study at a Diploma or above level can be used as partial credit towards bachelor's degree-level university programs. From 2002 the TAFE education sector has been able to offer bachelor's degrees and post-graduate diploma courses to fill niche areas, particularly vocationally focused areas of study based on industry needs. As at June 2009 10 TAFE colleges (mainly in New South Wales, Victoria, but also Western Australia, ACT, and Queensland) now confer their own degree-level awards and post graduate diplomas, though initially not beyond the level of bachelor's degree. However Melbourne Polytechnic has been accredited in 2015 to offer two master's degree courses. Similarly, some universities (e.g., Charles Darwin University and Royal Melbourne Institute of Technology) offer vocational education courses (traditionally the domain of TAFE); these are funded by the local state and territory governments. Some high schools also deliver courses developed and accredited by TAFEs. Students who enrol in these undergraduate degree courses at TAFE are required to pay full fees and are not entitled to Commonwealth Government supported student fee loans, known as HECS loans, but may access a FEE-HELP loan scheme. While Universities have the ability and power to design and offer their own degree courses, each TAFE degree course must be assessed and approved by the Higher Education Accreditation Committee (HEAC). TAFEs in some states can also teach senior high school qualifications, like the Victorian Certificate of Education, Victorian Certificate of Applied Learning, and the Higher School Certificate. Some universities, e.g. Charles Darwin University