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Interest and indexation

There is no interest charged on HELP debts.

Your accumulated HELP debt is subject to indexation, which is applied on 1 June each year to maintain its real value by adjusting it in line with changes in the cost of living (as measured by the Consumer Price Index (CPI) figure released in March).

Debts are not indexed until they are 11 months old.

To find out current and past indexation rates, see the ATO website (opens in a new window).