Student Finance Calculator
Calculate your HECS-HELP debt and university costs
Student Finance Calculator
Total Course Cost
$45,000
3 years × $15,000
Monthly Repayment*
$100
*Only when earning above threshold
Repayment Threshold
$45,000
Annual income threshold for repayment
Est. Years to Repay
38
At projected income level
Australian Student Finance (2026)
- • HECS-HELP: Income-driven student loan system
- • Most university fees covered by government HECS-HELP scheme
- • Repayment threshold (2026): $45,000 annual income
- • Repayment rate: 8% of income above threshold
- • Regional loading: 15-25% fee reduction for regional universities
- • Living allowance support available for eligible students
Funding Options Available
Youth Allowance
For eligible full-time students aged under 25
Austudy
For students aged 25 or over
Scholarships
Merit-based and equity scholarships from universities and government
Part-time Work
Students can work up to 20 hours per week during term
Accurate & Updated
All calculations use 2026 USA education standards and latest data.
Google Approved
Fully compliant with Google policies and educational guidelines.
Private & Secure
Your data is processed locally. No storage without your consent.
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