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About HECS-HELP
These courses can be paid for through the HECS-HELP government loan scheme. If you are an Australian citizen or hold a permanent humanitarian visa, you may not need to pay upfront.
Instead, the Australian government will pay your course fees directly to the provider on your behalf. You’ll begin repaying your loan through the tax system once you start earning more than the minimum threshold of $54,435 (2024-25 income year).
Frequently Asked Questions
HECS-HELP is a government loan scheme that helps eligible students pay for their Commonwealth-supported university courses. You begin repaying the loan through the tax system when your income reaches a certain threshold. More at StudyAssist.gov.au.
You must be an Australian citizen or hold a permanent humanitarian visa and be enrolled in a Commonwealth supported place (CSP). Residency requirements apply. Full details at StudyAssist.
As of 2025, the minimum repayment threshold is around $51,550. Your repayments are automatically deducted via the ATO. Visit ato.gov.au for up-to-date figures.
There’s no interest, but your loan is indexed annually based on inflation. This keeps the value of your debt aligned with cost of living changes.
It covers your tuition fees, but you still need to pay for textbooks, equipment, and student services fees unless your provider waives them.