HECS-HELP Guides
Plain-English guides to HECS-HELP repayments, indexation, and strategies for managing your student loan.
Repayments
HECS-HELP Repayment Thresholds 2026-27
Current HECS-HELP repayment thresholds and rates for 2026-27, how they work, and what income level triggers compulsory repayments.
Indexation
HECS-HELP Indexation Explained
How HECS-HELP indexation works, when it's applied, what CPI means for your debt, and strategies to minimise indexation impact.
HECS Strategy
Should You Pay Off Your HECS Early?
Pros and cons of making voluntary HECS repayments, when it makes financial sense, and alternative uses for your money.
Related Calculators
Repayments
HECS Repayment Calculator
Estimate your compulsory HELP repayment from repayment income.
Debt Growth
How HECS Indexation Works
Understand when and how annual indexation is applied to HELP balances.
Planning
Should You Pay HECS Off Early?
Compare voluntary repayment trade-offs before making a decision.