**Minimum repayment income threshold for 2025-26: $67,000**

Under the new marginal repayment system applying from the 2025-26 income year, no compulsory HELP (or other student loan) repayment is required if repayment income is $67,000 or below. Above $67,000, marginal repayment rates apply — meaning the repayment rates are charged only on the portion of repayment income above the threshold (rather than on the entire repayment income, as under the previous system).

**Controlling authority:** The *Higher Education Support Act 2003* (Cth) is the controlling legislation for the Higher Education Loan Program (HELP), with the scheme administered by the Australian Taxation Office (for repayments) and the Commonwealth Department of Education.