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How study and training support loans work

A brief overview of how study and training support loans work, including a video.

Last updated 7 April 2024

The government provides financial assistance (in the form of loans) to people undertaking higher education, trade apprenticeships and other training programs. We have responsibility for the collection of these loans through the tax system.

These are income contingent loans and when your income exceeds the repayment threshold, you will have to start repaying your loan. Compulsory repayments are made through the tax system. You may also make voluntary repayments to reduce your balance faster. The debt will be indexed annually to keep up with changes in the cost of living. Your loan may grow over time if no compulsory or voluntary repayments are made.


Media: Income Contingent Loans Link (Duration: 01:17)

Authorised by the Australian Government, Canberra.