Make a repayment arrangement with the ATO
Call the ATO's individual tax self-help line on 13 72 26 and make an arrangement to pay.
If the payment amounts you can reasonably afford are quite low, you'll need to go through the ATO's hardship department to arrange payment. Refer to Tax debts for the process.
The ATO will send you a sheet of payment slips to use once you agree on an amount. Note that you'll usually be charged interest on the overdue amount of your HECS-HELP debt while you're paying it off.
- When you can, make voluntary payments to reduce your debt more quickly
- You can make voluntary payments even when you are overseas
People who have incurred a VET FEE-HELP debt (now called VET Student Loans) because of inappropriate behaviour by some VET FEE-HELP providers have access to new remedies from 1 January 2019. Debts can be waived if the conduct of the provider was inappropriate. If you believe you have incurred a VET FEE-HELP debt inappropriately, make a complaint to the VET Student Loans Ombudsman. For more information, see the Department of Education & Training.