Study loan repayments

Compulsory repayments on HELP, VSL, SSL, TSL and SFSS debts all use the same repayment income thresholds. Repayment income is taxable income plus net investment losses, reportable fringe benefits, reportable super contributions and exempt foreign employment income. Debts are indexed each 1 June. This page is an estimate and not tax advice.

Tax year

What will I repay this year?

Repayment income ($ a year)

How long will my debt take to repay?

Thresholds rise with inflation, so this assumes they move with the debt indexation rate you enter. Repayments are taken first, then the balance is indexed.

Student loan debt today ($) Repayment income today ($) Debt indexation (% a year) Pay rises (% a year)