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How do I check my HELP debt?

How much you owe - ATO

You can check how much you currently owe on your HELP debt through the Australian Tax Office (ATO) either online through myGov or by contacting them directly on 12 28 61. Your myGov account will show you how much you owe and any repayments you have made.

If you don't have a myGov account, you can set one up following 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, including HELP. 


How much you have available to use - MyHELPbalance

You can check your available HELP balance through myHELPbalance. 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.