HECS-HELP Repayment Thresholds 2024-25

Full HECS-HELP and HELP repayment threshold table for 2024-25. Understand how your study debt affects your take-home pay.

2024-25 Repayment Thresholds

• Minimum threshold: $54,435 — no repayment below this.
• Rate range: 1% to 10% of your repayment income depending on how far above the threshold you are.
• Repayment income: Taxable income + reportable fringe benefits + net rental losses + super contributions.

Repayments are withheld automatically through PAYG if your employer knows you have a HELP debt.