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You do not have to start repaying your accumulated HELP debt until your income is above the minimum threshold, which is $48,361 in the 2022-2023 tax year.

To check your current outstanding HELP balance, you can:

  • telephone the ATO on 13 28 61
  • log in to myGov, follow the links to the ATO and select ‘Tax’, then 'loan accounts' from the menu.

For more information about accessing your current outstanding HELP balance, visit the ATO's Study and training support loans webpage.

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