Managing and repaying your loan - Study Assist, Australian Government

Once you have a Higher Education Loan Program (HELP) loan you need to know how to manage it.

This section will provide you information on how to check what you owe, how you make HELP debt repayments and what to do if you identify incorrect charges.

Paying back your loan

Loan repayments

Find out how and when you will repay your HELP loan.

Checking your HELP debt

Know how to monitor your HELP debt.

Moving overseas

Know your obligations to manage your HELP debt when you move overseas.

Facing financial hardship

Read about what options are available if you are facing financial hardship.

Loan increases and indexation

Understand how, when and why indexation is added to your HELP debt.

Commonwealth Assistance Notices (CAN)

Understand what a CAN is and why you need to review it.

Incorrect charges

What to do if you see incorrect charges on your HELP loan record.

Making a complaint

Find out how to make a complaint if you are unhappy with your student experience.

Switching courses or providers

Understand what to do when you want to change what or where you study.

Withdrawing from study

Learn how to withdraw from your unit or course.

Cancel your HELP debt under ‘Special Circumstances’

Understand what special circumstances means.

Reducing HELP debt for very remote teachers

Discover the HELP debt benefits for teachers working in very remote areas.