What are the current HELP repayment rates?
HECS-HELP repayment threshold and repayment rates for 2025-26 income year:
HECS-HELP repayment income (HRI)
Repayment % rate
Below $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
*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