HECS-HELP Repayment Thresholds, FY 2025-26
The 4-band schedule below is the complete set of compulsory repayment bands published by the Australian Taxation Office for the current financial year. The schedule was last updated for FY 2025-26 after the May 2025 Federal Budget passage of reforms to indexation and threshold calculation.
| Band | Income from | Income to | Rate |
|---|---|---|---|
| 1 | $0 | $66,999 | 0.0% |
| 2 | $67,000 | $124,999 | 15.0% |
| 3 | $125,000 | $179,285 | 17.0% |
| 4 | $179,286 | and above | 10.0% |
Source: Australian Taxation Office HELP, TSL and SFSS repayment thresholds and rates · 2025-26
How thresholds change each year
Thresholds shift annually. Historically the minimum repayment threshold moves by roughly CPI growth, while the higher bands sometimes move with wage growth instead. The Higher Education Support Amendment Act 2024 also reduced HECS-HELP indexation to the lower of CPI or WPI, capping the cost of carrying a balance through high-inflation years.
Next financial year (FY 2027-28) repayment thresholds will be announced after the May 2026 Budget. We update this page within 48 hours of the ATO release.
This page identifies the source records and data vintage used for its figures. The threshold table on this page is rendered directly from the ATO HECS-HELP schedule stored in our database, no figure is typed in by an editor. Nothing here is financial advice; for any decision that matters, follow the primary source and consult a qualified professional (see our disclaimer). See also our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2025-26.