The minimum repayment income (MRI) threshold for the 2025-26 income year is **$67,000**.

Working: Under the new marginal repayment system for HELP and other student loan debts (effective from the 2025-26 income year), the compulsory repayment threshold was raised from $54,435 (2024-25) to $67,000 (2025-26). Below $67,000 of repayment income, no compulsory repayment is required. From $67,000 upward, marginal repayment rates apply only to the portion of income above each successive threshold (rather than the old system of applying a single flat percentage to the whole of repayment income once a threshold was crossed).

Controlling authority: the **Higher Education Support Act 2003 (Cth)**, which establishes and governs the Higher Education Loan Program (HELP), administered by the Australian Taxation Office (ATO).