Estimated annual benefit based on the assumption that an employee does not have any accumulated Financial Supplement debt. Your benefits will vary depending on your income and personal circumstances. Benefits and savings will vary depending on personal objectives, financial situation and needs. RemServ recommends obtaining independent financial advice before making any financial decisions.
Eligibility criteria and terms and conditions apply. All salary packaging proposals are subject to the requirements of the employer. Fees and charges apply. You can check your Hecs debt on the MyGov website — and it should be down at the bottom of your tax return.
You can also contact the ATO. But remember: there is no time limit to pay it off. In special circumstances , like tragedy or severe financial difficulty, you can also have some of your Hecs debt cancelled or at least delayed. If you failed a subject due to special circumstances , or had to withdraw from it due to illness or other circumstances, you can apply to your university to have the debt for that subject cancelled.
This can include if you are affected by death, illness or a natural disaster. And finally, if you went to a vocational college and got a Vet Fee loan, you could have your debt reduced too. This was after revelations that many vocational colleges were defrauding the Vet Fee system and were pressuring students to sign up, or lying about the cost.
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Loan fees are used to adjust the initial loan balance so that the borrower nets the same amount after the fees are deducted. Some educational loans have a minimum monthly payment. Enter a higher figure to see how much money you can save by paying off your debt faster.
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