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HECS-HELP is an acronym for Higher Education Contribution Scheme Higher Education Loan Program

HECS-HELP is a two part system scheme designed to support students by providing a discount on tax or a loan.

HECS-HELP serves a number of purposes:

  • Reduces the financial pressure on students
  • Encourages students to look for an occupation in their relevant field of study
  • Support students who study overseas

HECS-HELP includes HECS-HELP Benefit, HECS-HELP Discount and Higher Education Loan Program (HELP)


HECS-HELP Benefit is designed to encourage graduates to take up employment in related occupations or to work in specific locations. HECS-HELP Benefit provides either a reduction in accumulated HELP debt or a compulsory repayment for an eligible graduate.

HECS-HELP Discount

HECS-HELP Discount is a figure paid by the Government to the education/course provider when the student makes a partial or full up-front payment of $500 or more of their student contribution. Note: Payment must be made on or before the census date.

Higher Education Loan Program

The Higher Education Loan Program is a run by the Australian Government loan to help eligible students pay their overseas study expenses, student contributions and tuition fees. These loans are repaid through the tax system and can be calculated on the salary calculator.

You can calculate how HECS Help Debt can affect your tax payments and salary calculation here, simply select the advanced tax calculator and enter your HECS Help Debt details

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Further Information and Guides for Tax in Australia