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HECS-HELP Repayment
2025-26 marginal repayment rates + payoff timeline
Australia Specific
Annual Income (AUD)
$
HELP Debt Remaining
$
Annual Repayment
$150
0.19% of your income
Per Fortnight
$6
Per Month
$12
Estimated Payoff Time
40+ years
Includes ~3.8% annual indexation
Repayment breakdown (marginal)
1.0% on $67,002–$78,000$110
2.0% on $78,002–$80,000$40
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