## 2025-26 Minimum Repayment Income Threshold

**$67,000**

Under the new marginal repayment system applying from the 2025-26 income year, no compulsory repayment is required where a person's repayment income is **$67,000 or below**. Once repayment income exceeds $67,000, the marginal repayment rates begin to apply, with the compulsory repayment calculated only on the portion of income above the threshold (rather than on total income, as under the former system).

## Controlling Authority

The Higher Education Loan Program (HELP) is administered by the **Australian Taxation Office (ATO)**, which manages the assessment and collection of compulsory repayments through the income tax system.