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Higher Education Loan Program (HELP)

Deceased estates and bankruptcy
Special rules exist for deceased estates and bankruptcy.
HECS-HELP benefit - Overview
This webpage provides instructions and an application form to apply for the HECS-HELP benefit as an early childhood, maths, science, education or nursing graduate.
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
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.
Types of loans
There are a number of loans available from the Australian Government to help you complete further training and study.
When must you repay your loan
You must start repaying your loan when your repayment income exceeds the minimum repayment threshold.