You are here:

Salary packaging with a HELP / HECS debts


If you have a HELP (Higher Education Loan Program) or HECS (Higher Education Contribution Scheme) debt, you could still benefit from salary packaging - regardless of whether you are making repayments or receiving Centrelink support.

In fact, salary packaging could help you pay off HELP or HECS debt sooner.

It doesn't matter how much or how little you earn. Even on an income of $35,000 a year, you could save up to $1,300 a year.

Before you commence salary packaging, you will need to tell your payroll department to take additional HELP or HECS repayments from your salary. It's also a good idea to seek financial advice if you're unsure.

Read our FAQs for more detailed information on salary packaging with a HELP/HECS debt.

Ready to get started?

  • Call us on 1300 73 66 62 and we can answer your questions - or set you up immediately.
  • Complete an Online Request and we can send you more information or call you to set up your account when convenient.

Already packaging - but need to tell your payroll to take out additional HELP or HECS repayments?  

  • Complete the ATO's Variation Form.
  • Call us on 1300 30 39 40 with any questions.



LiveChat: False