Information for students who have incurred a HECS-HELP, FEE-HELP or OS-HELP debt

On 1 June 2008, any HECS-HELP, FEE-HELP or OS-HELP debts incurred in 2007 become part of your “accumulated HELP debt”. Your accumulated HELP debt includes any HECS, PELS, OLDPS or BOTPLS debts you have incurred before 2005 (see Information for students with a HECS, PELS, OLDPS, OR BOTPLS debt incurred before 2005), and any HECS-HELP, FEE- HELP or OS-HELP debts you have incurred since 1 January 2005.

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Topics in this section
	When do I start repaying my HELP debt?
	How much will my repayments be?
	Is interest charged on my debt?
	How do I repay my debt if I am a payee under pay as you go (PAYG) withholding?
	How do I repay my debt if I am a payer under pay as you go (PAYG) instalments?
	What do I do if I disagree with my compulsory repayment?
	What happens if I have difficulties making my compulsory repayment?
	Can I make voluntary repayments?
	Can I get a bonus for voluntary repayments?
	Are my repayments tax deductible?
	What happens to my debt if I die?
	What happens to my debt if I go bankrupt?
	Where can I get information on my accumulated HELP debt?
	Information for students with a HECS, PELS, OLDPS, or BOTPLS debt incurred before 2005