<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:rvctc3.02.45="http://sbr.gov.au/icls/rvc/rvctc/rvctc3.02.45.data" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:dtyp.02.65="http://sbr.gov.au/fdtn/sbr.02.65.dtyp" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/icls/rvc/rvctc/rvctc3.02.45.data" elementFormDefault="qualified">
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.02.65.dtyp" schemaLocation="../../../fdtn/dtyp.sbr.02.65.xsd"/>
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../../../fdtn/tech.sbr.01.02.xsd"/>
    <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xsd:element name="rvctc3Abstract" id="rvctc3.02.45_rvctc3Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Tax.HigherEducationLoanProgramRepaymentAfterPartialDeferment.Amount" id="DE15533" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.StudentFinancialSupplementSchemeRepaymentAfterPartialDeferment.Amount" id="DE15535" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.StudentFinancialSupplementSchemeRepaymentFullDeferment.Amount" id="DE15534" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.StudentLoanRepaymentAfterPartialDeferment.Amount" id="DE15532" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanCompulsoryRepayment.Amount" id="DE15538" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanDebtOutstanding.Amount" id="DE15540" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanDebtRepayable.Amount" id="DE15539" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanOverseasLevyRepayment.Amount" id="DE15541" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanRepaymentAfterPartialDeferment.Amount" id="DE15536" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="Tax.VocationalEducationAndTrainingStudentLoanRepaymentFullDeferment.Amount" id="DE15537" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
</xsd:schema>