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

For the 2025-26 income year, the compulsory repayment system for HELP and other study and training loans changed to a marginal ("just the amount above each threshold") system. Under this new system, no compulsory repayment is required where repayment income is at or below $67,000. Repayment income above $67,000 is what the marginal repayment rates apply to.

Working / detail:
- Repayment income at or below $67,000 → 0% (no compulsory repayment).
- Repayment income between $67,001 and $124,999 → 15% applies to the part of income above $67,000.
- Repayment income of $125,000 and above → 17% applies to the part of income above that threshold (in addition to the 15% on the portion between $67,000 and $125,000).
- The key figure asked for is the entry threshold: **$67,000**, below which no compulsory repayment is due and above which the marginal rates begin.

**Controlling authority for the Higher Education Loan Program (HELP):** the Australian Taxation Office (ATO). The ATO administers the collection of compulsory HELP/student loan repayments through the income tax system, while the Higher Education Loan Program itself operates under the Higher Education Support Act 2003 (administered for higher education policy purposes by the Australian Government Department of Education).