A-Z index

HECS or HELP debt

Bonuses, benefits and discounts
You may be able to get a benefit, bonus or discount applied to your debt depending on your specific circumstances.
Deferring repayments
You may apply to defer your compulsory repayment if you have special circumstances, such as serious hardship or you are affected by a natural disaster.
HECS-HELP benefit maximum annual amounts
Provides a list of maximum yearly HECS-HELP benefit amounts that eligible graduates and early childhood education teachers can apply for.
HELP SSL TSL fortnightly tax table
Tax table for payments made fortnightly where employee has a Higher Education Loan Program (HELP)/Student Start-up Loan (SSL)/Trade Support Loan (TSL) debt.
HELP SSL TSL monthly tax table
Tax table for payments made monthly where employee has a Higher Education Loan Program (HELP), Student Start-up Loan (SSL) or Trade Support Loan (TSL) debt.
HELP SSL TSL weekly tax table
Tax table for payments made weekly where employee has a Higher Education Loan Program (HELP)/Student Start-up Loan (SSL)/ Trade Support Loan (TSL) debt.
HELP and Financial Supplement indexation rates
Indexation figure applied to accumulated HELP, TSL and Financial Supplement debts which have remained unpaid for more than 11 months.
HELP voluntary repayment
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.
HELP, TSL and SFSS repayment thresholds and rates
A list of repayment thresholds and rates for the compulsory repayment of Higher Education Loan Program (HELP), Student Start-up Loan (SSL), ABSTUDY Student Start-up Loan (ABSTUDY SSL), Trade Support Loan (TSL), and Student Financial Supplement Scheme (SFSS).
Overseas repayments
You must repay your higher education and trade support loans if you live overseas for a total of more than six months in any 12-month period.
Schedule 8 - Statement of formulas for calculating HELP, SSL, TSL and SFSS components
A schedule to help calculate the amounts to be withheld from payments made on a weekly basis for employees who have a Higher Education Loan Program (HELP), Student Start-up Loan (SSL), Trade Support Loan (TSL) or Financial Supplement debt. For payments made from 1 October 2016 to 30 June 2017.
Study and training loan repayment calculator
This calculator will help you determine an estimate of the amount of your Higher Education Loan Program (HELP), Student Start-up Loan (SSL), ABSTUDY Student Start-up Loan (ABSTUDY SSL), Trade Support Loan (TSL) or Student Financial Supplement Scheme (SFSS) compulsory repayment.
Study and training support loans
As a student you pay tax on your income; deductions or offsets reduce the amount of tax you pay. Your HELP (Higher education loan program) loan is repaid through the tax system. Overseas students may need to pay tax on income they earn in Australia.
View your loan balance online
You can use our online services to view your loan balance and other information, such as your payment reference number (PRN) and voluntary repayment options.
Voluntary repayments
You can make voluntary repayments at any time to help reduce your balance.