Studying and student debt

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.

Study and training loan indexation rates

Indexation rate on your accumulated HELP, VSL, SFSS, SSL, ABSTUDY SSL, and TSL study and training loans 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 compulsory repayment amount required towards your study or training loan.

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.