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

Working: From the 2025-26 income year, the compulsory HELP/student-loan repayment system changed from a system where a percentage rate applied to the borrower's entire repayment income to a marginal repayment system. Under the new system, no compulsory repayment is required where repayment income is $67,000 or less; marginal repayment rates apply only to the portion of repayment income above $67,000 (15c per dollar between $67,000 and $124,999, and 17c per dollar of income above $125,000, capped by the loan balance). So the minimum repayment income threshold for 2025-26 is $67,000.

**Controlling authority:** the *Higher Education Support Act 2003* (Cth), which governs the Higher Education Loan Program (HELP); the scheme is administered by the Australian Taxation Office (with the Department of Education) under that Act.