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

Working: For the 2025-26 income year the old HELP threshold ($54,435 in 2024-25) was replaced. If repayment income is **$67,000 or less, no compulsory repayment is required**. Only the portion of repayment income **above $67,000** is subject to the new marginal repayment rates (i.e., repayments are calculated on the excess over $67,000, not on total repayment income).

**Controlling authority for the Higher Education Loan Program (HELP):** HELP is established and governed by the **Higher Education Support Act 2003 (Cth)**; program responsibility sits with the **Australian Government Minister for Education / Department of Education**, and compulsory repayments are assessed and collected through the tax system by the **Commissioner of Taxation (Australian Taxation Office)**.