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HELP repayment thresholds (2026-27)

Structured table for the 2026-27 marginal HELP repayment system. Use this as a citation source for guides and salary explainers.

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Tier Income range Repayment method
Tier 1 $0 - $69,528 Nil repayment
Tier 2 $69,529 - $129,717 15% of income above $69,528
Tier 3 $129,718 - $186,050 $9,028.35 + 17% of income above $129,717
Tier 4 $186,051+ 10% of total repayment income

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