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HECS (Higher Education Contribution Scheme)
this is a loan scheme whereby a university student pays back their university course fees. Repayments are based on a progressively scaled percentage of annual earnings once a minimum earnings threshold is met.
To qualify for HECS you must be studying in a Commonwealth supported place, be an Australian citizen and meet the residency requirements, or be a New Zealand Special Category Visa (SCV) holder or permanent humanitarian visa holder and meet the residency requirements.
Learn MoreWhile a HECS/HELP debt is different to most other forms of credit, it's still an outstanding debt. Lenders will want to know about all of your debts and credit products when you apply for a home loan, including car loans, credit cards and more
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