What are the current HELP repayment rates?
HECS-HELP repayment threshold and repayment rates for 2026-27 income year:
HECS-HELP repayment income (HRI)
Repayment % rate
Below $69,528
Nil
$69,529 – $129,717
15c for each $1 over $69,528
$129,718 – $186,050
$9,028 plus 17c for each $1 over $129,717
$186,051 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