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

Below $67,000 of repayment income, no compulsory repayment is required. Above $67,000, the new marginal repayment rates apply (the rates being charged only on the portion of repayment income above the threshold, rather than on the whole income at a single flat rate as under the prior system).

Controlling authority for the Higher Education Loan Program (HELP): the Australian Taxation Office (ATO), which administers and collects compulsory HELP repayments through the income tax system. (The HELP scheme is established under the Higher Education Support Act 2003 (Cth) and administered for higher-education purposes by the Department of Education, but the repayment thresholds and compulsory repayment collection are administered by the ATO.)