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Study and training loan repayment thresholds and rates

Current and previous repayment thresholds and rates for the compulsory repayment of study and training support loans.

Last updated 30 October 2025

About compulsory repayment thresholds and rates

The thresholds and rates for study and training loan compulsory repayments are updated each year. They apply to the following types of study and training loans:

  • 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).

All study and training loan types are covered by the same set of thresholds and rates applicable for each financial year.

If you have more than one loan type, your compulsory repayments are used to pay off your loans in the following order:

  1. HELP
  2. VSL
  3. SFSS
  4. SSL
  5. ABSTUDY SSL
  6. AASL.

2025–26 repayment thresholds and rates

From the 2025–26 income year, compulsory repayments are calculated using marginal rates. This means your compulsory repayment is calculated only on the income above the minimum repayment threshold. It is not a single rate, rather a range of rates dependent on income.

For more information on this change, see Study and training loans – what's new.

Table 1: 2025–26 repayment thresholds and rates

Repayment income

Repayment 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

Repayment income

Your repayment income amount is calculated by adding up all of the following amounts:

  • taxable income (excluding any assessable First Home Super Saver (FHSS) released amounts)
  • reportable fringe benefits (regardless of the exempt status of your employer)
  • total net investment loss (including net rental losses)
  • reportable super contributions
  • exempt foreign employment income amounts.

Examples of calculating repayment amounts

The following examples show how compulsory repayments are calculated from 2025–26 onwards.

Example 1: 2025–26 repayment

In the 2025–26 financial year, Christina has:

  • taxable income of $50,420
  • total reportable fringe benefits of $4,560
  • total net investment loss of $1,250
  • reportable super contributions of $15,000
  • exempt foreign employment income of $2,580.

Christina's repayment income is
$50,420 + $4,560 + $1,250 + $15,000 + $2,580 = $73,810.

Christina's income is above the minimum threshold of $67,000 but below $125,000. This means Christina's repayment is 15c for each $1 over $67,000, which is calculated as follows:

$73,810 − $67,000 = $6,810

$6,810 × 15% = $1,021.50

Christina's compulsory repayment towards her study or training loan for 2025–26 would be $1,021.50.

End of example

 

Example 2: 2025–26 repayment

In the 2025–26 financial year, Neil has:

  • taxable income of $113,450
  • reportable super contributions of $13,614.

Neil's repayment income is $113,450 + $13,614 = $127,064.

This is within the repayment income range of $125,001 to $179,285. This means Neil's repayment is $8,700 plus 17c for each $1 over $125,000, which is calculated as follows:

$127,064 − $125,000 = $2,064

$2,064 × 17% = $350.88

$350.88 + $8,700 = $9,050.88

Neil's compulsory repayment towards his study or training loan for 2025–26 would be $9,050.88.

End of example

 

Example 3: 2025–26 repayment

In the 2025–26 financial year, Priya has

  • taxable income of $212,980
  • reportable super contributions of $25,557.

Priya's repayment income is $212,980 + $25,557 = $238,537.

This is above the threshold of $179,286. This means Priya's repayment is 10% of her repayment income, which is calculated as follows:

$238,537 × 10% = $23,854

Priya's compulsory repayment towards her study or training loan for 2025–26 would be $23,854.

End of example

Repayment calculator

You can use our Study and training loan repayment calculator to enter your repayment income and work out repayment amounts.

Note: This calculator won't be updated with the reduced compulsory repayments until 1 July 2026. Until then, you can get an estimate using the Department of Education's Reduction and repayment estimatorExternal Link.

Previous repayment thresholds and rates

Compulsory repayments for 2024–25 and earlier years were based on applying the relevant repayment rate to your total repayment income:

 

Example 4: 2024–25 repayment

In the 2024–25 financial year, Branson had:

  • taxable income of $89,450
  • reportable super contributions of $10,286.

Branson's repayment income is $89,450 + $10,286 = $99,736.

This is within the repayment income range of $94,504 to $100,174. This means Branson's repayment rate is 5.5%. His repayment amount is calculated as follows:

$99,736 × 5.5% = $5,485.52

Branon's compulsory repayment towards his study or training loan for 2024–25 would be $5,485.52.

End of example

2024–25 repayment income thresholds and rates

Table 2: 2024–25 repayment income thresholds and rates

Repayment income

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

10.0%

2023–24 repayment income thresholds and rates

Table 3: 2023–24 repayment income thresholds and rates

Repayment income

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

10.0%

2022–23 repayment income thresholds and rates

Table 4: 2022–23 repayment income thresholds and rates

Repayment income

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

10.0%

2021–22 repayment income thresholds and rates

Table 5: 2021–22 repayment income thresholds and rates

Repayment income range

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

10.0%

2020–21 repayment income thresholds and rates

Table 6: 2020–21 repayment income thresholds and rates

Repayment income

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

10.0%
Table 7: 2019–20 repayment income thresholds and rates

Repayment income

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

10.0%

 

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