You repay
$89.26a fortnight
A year
$2,320.80
A week
$44.63
You repay 15% of what you earn over $69,528 in 2026-27.
Below the thresholdRepaid on
Repayments at other incomes
| Income | A year | A fortnight |
|---|---|---|
| $70,000 | $70.80 | $2.72 |
| $80,000 | $1,570.80 | $60.42 |
| $90,000 | $3,070.80 | $118.11 |
| $100,000 | $4,570.80 | $175.80 |
| $130,000 | $9,076.46 | $349.09 |
| $150,000 | $12,476.46 | $479.86 |
| $190,000 | $19,000.00 | $730.77 |
Quick answers
How much HECS-HELP do I repay on $85,000?
$2,320.80 in 2026-27, or $89.26 a fortnight: 15% of the $15,472 you earn over $69,528.
What counts as repayment income?
Your taxable income plus some extra items, such as reportable super contributions (salary sacrifice, for example) and reportable fringe benefits.
What changed from 2025-26?
The thresholds went up: you start repaying above $69,528 instead of $67,000. The way it works is the same: you repay a share of the income over the threshold.
Source: ATO, study and training loan repayment thresholds and rates. Checked 31 Oct 2026.