HELP Repayment Thresholds

The Higher Education Loan Programme "HELP" offers commonwealth loans to eligible students to assist them with paying their higher education fees and to study overseas. a HELP debt is repaid through the taxation systems, based on a taxpayer's HELP 'repayment income'. HELP repayment income is the sum of the taxpayer's:

  • taxable income
  • total net investment loss;
  • reportable fringe benefits;
  • exempt foreign employment income; and
  • reportable superannuation contribution
Study and training loan repayment thresholds and rates


From July 1 2017, taxpayers living overseas and earning an income that exceeds the minimum repayment threshold will be required to make compulsory repayments towards their debt.