How much you owe - ATO

You can check how much you owe on your HELP debt through the Australian Tax Office (ATO) either online through myGov or by contacting the ATO(Opens in a new tab/window) directly on 13 28 61.

Your account contains a record of your HELP loan including:

If you have a HELP loan when you lodge your tax return and your repayment income is above the minimum repayment threshold, the ATO will determine your compulsory repayment and include it on your notice of assessment. Any withholdings made by an employer under the Pay as you go (PAYG) withholding(Opens in a new tab/window) system are not credited to an individual’s HELP account at the time they are withheld, but are reconciled when an individual’s income tax return for that year is processed.

If you don't have a myGov account, visit the Setting up your myGov account(Opens in a new tab/window) instructions on the instructions on the ATO website or you can call the myGov helpdesk on 13 23 07 (select option 1).

The ATO website has more information regarding all Study and Training Support Loans(Opens in a new tab/window), including HELP.

If you believe that you have been charged incorrectly by your provider, you will need to contact your provider directly to dispute the debt.

How much you have available to use - MyHELPbalance

You can check your available HELP balance through myHELPbalance(Opens in a new tab/window). Your available HELP balance is the amount you have available to borrow for future study using HELP loans.

myHELPbalance portal does not:

  • show how much you owe,
  • show loan fees or indexation on your debt, or
  • include any debts incurred before 2005.

You will need your Unique Student Identifier (USI) or Commonwealth Higher Education Student Support Number (CHESSN), a student ID from any university, higher education provider or VET Student Loans provider you have studied at, your first name, last name and date of birth to access myHELPbalance(Opens in a new tab/window).