What are the current HELP repayment rates?

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HECS-HELP repayment threshold and repayment rates for 2024-25 income year:

HECS-HELP repayment income (HRI)

Repayment % rate

Below $54,435
Nil
$54,435 – $62,850
1% of HRI
$62,851 – $66,620
2.0% of HRI
$66,621 – $70,618
2.5% of HRI
$70,619 – $74,855
3.0% of HRI
$74,856 – $79,346
3.5% of HRI
$79,347 – $84,107
4.0% of HRI
$84,108 – $89,154
4.5% of HRI
$89,155 – $94,503
5.0% of HRI
$94,504 – $100,174
5.5% of HRI
$100,175 -  $106,185
6.0% of HRI
$106,186 - $112,556
6.5% of HRI
$112,557 - $119,309
7.0% of HRI
$119,310 - $126,467
7.5% of HRI
$126,468 - $134,056
8.0% of HRI
$134,057 - $142,100
8.5% of HRI
$142,101 - $150,626
9.0% of HRI
$150,627 - $159,663
9.5% of HRI
$159,664 and above
10.0% of HRI

*HRI = Taxable income plus any total net investment loss (which includes net rental losses), total reportable fringe benefits amounts, reportable super contributions and exempt foreign employment income.

Source of information: Loan repayment - StudyAssist, Australian Government