Calculate your 2025–26 HECS-HELP/STSL compulsory repayment under the new marginal system, with a debt payoff projection.
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From 2025–26, HELP/HECS and other study and training loans (STSL) use a marginal repayment system. You repay only on income above each threshold — nothing below $67,000.
Repayment income
Repayment
$0 – $67,000
Nil
$67,001 – $125,000
15% of the amount over $67,000
$125,001 – $179,285
$8,700 + 17% over $125,000
$179,286 +
10% of total income
Example
On $80,000, your compulsory repayment is $1,950 for the year (15% of the $13,000 above the $67,000 threshold).
Frequently asked questions
What is the HECS repayment threshold for 2025–26?
You make no compulsory repayment below $67,000. Above that, the new marginal system applies (15% then 17% by band).
How much HECS will I repay on $80,000?
About $1,950 for the year under the 2025–26 marginal system.