The Australian Government has introduced changes that mean if you have moved overseas and have a Higher Education Loan Programme (HELP) or Trade Support Loan (TSL) debt, you now have the same repayment obligations as those who live in Australia. This applies if you already live or intend to move overseas for a total of more than six months in any 12-month period.
From 1 January 2016, you will need to update your contact details through our online services within seven days of leaving Australia. If you already reside overseas, you will need to update your details no later than 1 July 2017.
From 1 July 2017, if you are living overseas and earning an income that exceeds the minimum repayment threshold, you will be required to make compulsory repayments towards your debt.
Updating your details
You will need to notify us if you move or intend to move overseas by updating your contact details, including international residential and email addresses, using our online services via myGov. You only need to update your details on ATO online services and not your myGov account.
You must continue to update your contact details as long as you reside overseas through our online services via myGov.
Update your details
Accessing your myGov account from overseas
Before you move overseas
If you already have a myGov account and intend to move overseas, we recommend you log in to your account and turn off the myGov security code featureExternal Link before you lose access to your Australian mobile number. If you have access to your number overseas, you can keep this feature turned on.
If you are already overseas
If you already have a myGov account and you do not have access to your Australian mobile number, you will not be able to log in to your myGov account if the security code is turned on.
If you have lost access to your myGov account overseas or do not have a myGov account, you can create a new account and link the ATO. When creating the account, make sure you skip the step to set up the security code feature as myGov does not accept international mobile numbers.
Login or create a myGov account
What happens next
From 1 July 2017, you will need to work out your worldwide income for the 2016-17 financial year and submit the details to us using our online services via myGov. Your income details should be submitted to us by 31 October each year.
From 1 July 2017 you will need to:
- Determine your residency status
- Assess your worldwide income
- Submit the details to us using our online services via myGov
Your debt will continue to be indexed each year until it is paid off. You can make additional voluntary repayments at any time to reduce the balance of your debt and these repayments can also be made from overseas.
You must now 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.