Higher education loan schemes essentials

Advanced topics

This calculator will help you work out the amount of compulsory Higher Education Loan Programme (HELP) repayment on assessment of your income tax return.

Higher Education Loan Programme (HELP) and HECS repayment thresholds and rates

This document lists the repayment thresholds and rates for the compulsory repayment of Higher Education Loan Programme (HELP) and Higher Education Contribution Scheme (HECS) debts. Income years range from 1988-89 onwards.

Higher Education Loan Programme (HELP) indexation rates

Indexation figure applied to accumulated HELP debts which have remained unpaid for more than 11 months.

Higher Education Loan Programme (HELP) voluntary repayment calculator

This calculator gives you an estimate of the bonus you will receive when you make a voluntary repayment towards your HELP debt, and the amount that will remain after your voluntary repayment has been applied.

SFSS repayment calculator

This calculator will help you work out the amount of compulsory SFSS repayment on assessment of your income tax return.

Student Financial Supplement Scheme (SFSS) Indexation Rates

Indexation is applied to the part of accumulated Financial Supplement debts which have remained unpaid for 12 months or more.

Student Financial Supplement Scheme (SFSS) repayment thresholds and rates

This document gives you the income thresholds and rates for the compulsory repayment of Financial Supplement debts. Income years range from 1997-98 onwards.