## Minimum Repayment Income Threshold for 2025-26

**$30,000**

Under the new marginal repayment system applying to HELP and other student loan debts for the 2025-26 income year, the minimum repayment income threshold — below which no compulsory repayment is required — is **$30,000**. Repayment income earned above this amount is subject to marginal repayment rates starting at 1% (for income between $30,000 and $50,000), increasing progressively up to 10% for income above $120,000.

## Controlling Authority

The controlling authority for the Higher Education Loan Program (HELP) is the **Australian Taxation Office (ATO)**, which administers the compulsory repayment and collection of HELP debts through the tax system. The policy framework is established under the *Higher Education Support Act 2003* (Cth), administered by the **Department of Education**.