Paying Back My Loan
It is your responsibility to be aware of all requirements regarding your HELP loan. This section will explain your obligations and your options to repay your loan. Once you incur a HELP loan it becomes an 'accumulated HELP debt'.
An accumulated HELP debt includes any unpaid HECS‑HELP, FEE‑HELP, VET FEE‑HELP, OS‑HELP and SA-HELP debts. It also includes any Higher Education Contribution Scheme (HECS), Postgraduate Education Loan Scheme (PELS), Open Learning Deferred Payment Scheme (OLDPS) and Bridging for Overseas-Trained Professionals Loan Scheme (BOTPLS) debts you incurred before 2005.
You can view your HELP debt online via the myGov website. To access this online services please refer to the ATO website (opens in a new window).
Loan Repayment – Find out how to pay back your HELP loan and when you must start making repayments.
Interest and Indexation - Find out how indexation is applied to your HELP debt.
The HECS-HELP Benefit aims to encourage particular graduates to take up employment in particular occupations or to work in specified locations by reducing their HELP debt repayments. The Benefit currently targets:
Cancelling a HELP debt under 'Special Circumstances' - Find out how to apply to have your HELP debt cancelled if ‘special circumstances’ have occurred.