Loan repayments Overview You will have a Higher Education Loan Program (HELP) debt if you have received a loan for your studies under any of the following schemes: HECS-HELP FEE-HELP OS-HELP. See also: Loans If you have a HELP debt, you start repaying your accumulated HELP debt when your HELP repayment income is above the minimum threshold, which is $41,594 in the 2008-09 income year and $43,151 for the 2009-10 income year. HELP repayment arrangements include: compulsory repayments made through your income tax and voluntary repayments, with a 10 per cent bonus on voluntary repayments of $500 or more. All HELP debts are indexed annually on 1 June to reflect changes in the Consumer Price Index (CPI). Return to the Top of the page