When do I start repaying my HECS, FEE or SA HELP debt?

You will start to repay your HELP debt through the taxation system once your income is above the compulsory repayment threshold, even if you are still studying. The amount you will repay each year is a percentage of your repayment income. The percentage increases as income increases, so the more you earn, the higher your repayment will be. You can find amounts at HELP and TSL repayment thresholds and rates.

The Australian Taxation Office (ATO) will calculate the compulsory repayment for the year and include it on your income tax notice of assessment.

You can find further information at the Australian Taxation Office: When you must repay your loan.

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Answer ID: 2141

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