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, TSL and SFSS repayment thresholds and rates
A list of repayment thresholds and rates for the compulsory repayment of Higher Education Loan Program (HELP),and other related assistance programs.
Overseas repayments
Provide an overseas travel notification and report your worldwide income to ATO if you have a Higher Education Loan Program (HELP), VET Student Loan (VSL) or Trade Support Loan (TSL).
Study and training loan indexation rates
Indexation rate on your accumulated HELP, VSL, SFSS, SSL, ABSTUDY SSL, and TSL study and training debts which have been unpaid for more than 11 months.
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 and HELP or TSL overseas levy.
Study and training support loans fortnightly tax table
Tax table for payments made fortnightly where employee has a study and training support loan.
Study and training support loans weekly tax table
Tax table for payments made weekly where employee has a study and Training Support Loan.
View your loan balance online
You can use our online services to view your loan account 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.