2025-26 marginal system
HECS/HELP repayments
What you'll repay this year under the new marginal system — you only repay on income above $67,000.
HECS/HELP repayments
What you'll repay this year on the new (2025-26) marginal system.
Your compulsory repayment this year
$2,700
$225 a month, taken from your pay before it reaches you.
Repayment / month
$225
Roughly cleared in
10 yrs
2025-26 marginal system: you repay 15c per $1 above $67,000, rising in bands. “Repayment income” adds back some items (e.g. reportable super). Years-to-clear ignores annual indexation, so the real time is a little longer. A guide, not advice.