🎓 HECS/HELP Repayment Calculator
See your annual repayment amount, how many years until your debt is paid off, and what repayment rate applies to your income.
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2024–25 Repayment Thresholds
Repayments are compulsory once your income exceeds the minimum threshold. You pay a percentage of your whole income, not just the amount above the threshold.
⚠️ Your HECS debt is indexed each year on 1 June by CPI. This calculator does not include indexation — your actual payoff date may vary.