A person ' s HELP balance at a particular time is worked out by reference to:

(a) the HELP loan limit in relation to the person at the time; and

(b) the amounts of HECS-HELP assistance, FEE-HELP assistance, VET FEE-HELP assistance and VET student loans that that have previously been payable to the person; and

(c) amounts previously re-credited to the person ' s HELP balance (including repayments of HELP debts).