Compulsory repayment thresholds and rates
The repayment thresholds and marginal rates are updated annually for the compulsory repayment of:
- Higher Education Loan Program (HELP)
- VET Student Loan (VSL)
- Student Financial Supplement Scheme (SFSS)
- Student Start-up Loan (SSL)
- ABSTUDY Student Start-up Loan (ABSTUDY SSL)
- Australian Apprenticeship Support Loan (AASL) – previously known as Trade Support Loan (TSL).
For more information, see:
Current repayment thresholds and rates
All study and training loans are covered by one set of thresholds and rates. From the 2025–26 income year, compulsory repayments are calculated using marginal rates. Your compulsory repayment is only calculated on income above the minimum threshold.
If your repayment income is $179,286 or more, your compulsory repayment will continue to be 10% of your total repayment income. This is to ensure you are not worse off because of the shift to marginal rates.
For more information on this change, see Study and training loans – what's new.
The hierarchy in which compulsory repayments are applied to study and training loans is:
- HELP
- VSL
- SFSS
- SSL
- ABSTUDY SSL
- AASL.
Note: Repayment income (RI) is taxable income plus any:
- total net investment loss (which includes net rental losses)
- total reportable fringe benefits amounts
- reportable super contributions
- exempt foreign employment income.
|
Repayment income (RI) |
Repayment amount on this income |
|---|---|
|
$0 – $67,000 |
Nil |
|
$67,001 – $125,000 |
15c for each $1 over $67,000 |
|
$125,001 – $179,285 |
$8,700 plus 17c for each $1 over $125,000 |
|
$179,286 and over |
10% of your total repayment income |
Previous repayment thresholds and rates
Compulsory repayments for 2024–25 and earlier years were based on total repayment income.
|
Repayment income (RI) thresholds |
Repayment rate (% of repayment income) |
|---|---|
|
Below $54,435 |
Nil |
|
$54,435–$62,850 |
1.0% |
|
$62,851–$66,620 |
2.0% |
|
$66,621–$70,618 |
2.5% |
|
$70,619–$74,855 |
3.0% |
|
$74,856–$79,346 |
3.5% |
|
$79,347–$84,107 |
4.0% |
|
$84,108–$89,154 |
4.5% |
|
$89,155–$94,503 |
5.0% |
|
$94,504–$100,174 |
5.5% |
|
$100,175–$106,185 |
6.0% |
|
$106,186–$112,556 |
6.5% |
|
$112,557–$119,309 |
7.0% |
|
$119,310–$126,467 |
7.5% |
|
$126,468–$134,056 |
8.0% |
|
$134,057–$142,100 |
8.5% |
|
$142,101–$150,626 |
9.0% |
|
$150,627–$159,663 |
9.5% |
|
$159,664 and above |
10% |
|
Repayment income (RI) |
Repayment rate |
|---|---|
|
Below $51,550 |
Nil |
|
$51,550–$59,518 |
1.0% |
|
$59,519–$63,089 |
2.0% |
|
$63,090–$66,875 |
2.5% |
|
$66,876–$70,888 |
3.0% |
|
$70,889–$75,140 |
3.5% |
|
$75,141–$79,649 |
4.0% |
|
$79,650–$84,429 |
4.5% |
|
$84,430–$89,494 |
5.0% |
|
$89,495–$94,865 |
5.5% |
|
$94,866–$100,557 |
6.0% |
|
$100,558–$106,590 |
6.5% |
|
$106,591–$112,985 |
7.0% |
|
$112,986–$119,764 |
7.5% |
|
$119,765–$126,950 |
8.0% |
|
$126,951–$134,568 |
8.5% |
|
$134,569–$142,642 |
9.0% |
|
$142,643–$151,200 |
9.5% |
|
$151,201 and above |
10% |
|
Repayment income (RI) |
Repayment rate |
|---|---|
|
Below $48,361 |
Nil |
|
$48,361–$55,836 |
1.0% |
|
$55,837–$59,186 |
2.0% |
|
$59,187–$62,738 |
2.5% |
|
$62,739–$66,502 |
3.0% |
|
$66,503–$70,492 |
3.5% |
|
$70,493–$74,722 |
4.0% |
|
$74,723–$79,206 |
4.5% |
|
$79,207–$83,958 |
5.0% |
|
$83,959–$88,996 |
5.5% |
|
$88,997–$94,336 |
6.0% |
|
$94,337–$99,996 |
6.5% |
|
$99,997–$105,996 |
7.0% |
|
$105,997–$112,355 |
7.5% |
|
$112,356–$119,097 |
8.0% |
|
$119,098–$126,243 |
8.5% |
|
$126,244–$133,818 |
9.0% |
|
$133,819–$141,847 |
9.5% |
|
$141,848 and above |
10% |
|
Repayment income (RI) |
Repayment rate |
|---|---|
|
Below $47,014 |
Nil |
|
$47,014–$54,282 |
1.0% |
|
$54,283–$57,538 |
2.0% |
|
$57,539–$60,991 |
2.5% |
|
$60,992–$64,651 |
3.0% |
|
$64,652–$68,529 |
3.5% |
|
$68,530–$72,641 |
4.0% |
|
$72,642–$77,001 |
4.5% |
|
$77,002–$81,620 |
5.0% |
|
$81,621–$86,518 |
5.5% |
|
$86,519–$91,709 |
6.0% |
|
$91,710–$97,212 |
6.5% |
|
$97,213–$103,045 |
7.0% |
|
$103,046–$109,227 |
7.5% |
|
$109,228–$115,781 |
8.0% |
|
$115,782–$122,728 |
8.5% |
|
$122,729–$130,092 |
9.0% |
|
$130,093–$137,897 |
9.5% |
|
$137,898 and above |
10% |
|
Repayment income (RI) |
Repayment rate |
|---|---|
|
Below $46,620 |
Nil |
|
$46,620–$53,826 |
1.0% |
|
$53,827–$57,055 |
2.0% |
|
$57,056–$60,479 |
2.5% |
|
$60,480–$64,108 |
3.0% |
|
$64,109–$67,954 |
3.5% |
|
$67,955–$72,031 |
4.0% |
|
$72,032–$76,354 |
4.5% |
|
$76,355–$80,935 |
5.0% |
|
$80,936–$85,792 |
5.5% |
|
$85,793–$90,939 |
6.0% |
|
$90,940–$96,396 |
6.5% |
|
$96,397–$102,179 |
7.0% |
|
$102,180–$108,309 |
7.5% |
|
$108,310–$114,809 |
8.0% |
|
$114,810–$121,698 |
8.5% |
|
$121,699–$128,999 |
9.0% |
|
$129,000–$136,739 |
9.5% |
|
$136,740 and above |
10% |
From 1 July 2019, all study and training loans are covered by one set of thresholds and rates.
|
Repayment income (RI) |
Repayment rate |
|---|---|
|
Below $45,881 |
Nil |
|
$45,881–$52,973 |
1.0% |
|
$52,974–$56,151 |
2.0% |
|
$56,152–$59,521 |
2.5% |
|
$59,522–$63,092 |
3.0% |
|
$63,093–$66,877 |
3.5% |
|
$66,878–$70,890 |
4.0% |
|
$70,891–$75,144 |
4.5% |
|
$75,145–$79,652 |
5.0% |
|
$79,653–$84,432 |
5.5% |
|
$84,433–$89,498 |
6.0% |
|
$89,499–$94,868 |
6.5% |
|
$94,869–$100,560 |
7.0% |
|
$100,561–$106,593 |
7.5% |
|
$106,594–$112,989 |
8.0% |
|
$112,990–$119,769 |
8.5% |
|
$119,770–$126,955 |
9.0% |
|
$126,956–$134,572 |
9.5% |
|
$134,573 and above |
10% |