### Minimum Repayment Income Threshold (FY 2025-26)

* **Minimum Repayment Income Threshold:** **$67,000**
* **Working/Explanation:** Under the Australian Government's proposed transition to a marginal HELP repayment system commencing on 1 July 2025 (for the 2025–26 income year), the minimum repayment threshold is raised to **$67,000** (up from the previous threshold of $54,435). Debtors with a repayment income below $67,000 will have a 0% repayment rate and are not required to make compulsory repayments. Above $67,000, marginal repayment rates apply.

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### Controlling Authority

* **Controlling Authority:** **Australian Government Department of Education** (which administers the *Higher Education Support Act 2003* and the Higher Education Loan Program). 
* *Note:* The **Australian Taxation Office (ATO)** acts as the collection agency responsible for managing loan accounts, indexation, and compulsory repayment collection.