Find out how much you owe in higher education loans: your HELP debt

You can get information about your HELP debt online or by phone.

This information might not be up to date — it takes time for it to move between your provider and the government.

Your provider can give you up-to-date details about your debt for each study period.


Online

You can find out how much you owe in HELP debt by using the myGov service.

You can see details including your total debt and repayments you have made.

To check your HELP debt on myGov follow these steps.

Step 1. Go to myGov

Sign in to myGov or create a myGov account.

Step 2. Link your account

You will need to link the Australian Taxation Office (ATO). If your account is already linked go to Step 3.

To link your account, go to the Services tab. Under Link a service choose the ATO service and follow the steps.

Step 3. Select the ATO service

From your myGov Home tab, choose the ATO under Your services.

Step 4. Get your debt information

Your debt is listed on this page under Loan accounts. How much you owe is listed under Balance.

To get more detail, select your loan. It will be listed under Description.

You can see how much you:

  • owe
  • have paid off
  • have been charged in indexation.

You can download a copy of these details.

Read more about interest, indexation and how HELP loan repayments are made.


By phone

You can call the ATO Personal Info Line on 13 28 61 to find out the balance of your HELP debt.

Be sure to have your tax file number handy when you call.


Get HELP loan details for each study period

For each study period your education provider will send you a notice with information about your enrolment.

This is called the Commonwealth Assistance Notice (CAN). For that study period the notice will show:

  • the units you are studying
  • how much debt each unit will add to your HELP loan
  • any upfront payments you have made.

The notice will be sent after the deadline to sort out your enrolment and fees, called the census date.

The census date can be different for each education provider.

To get a copy of your CAN, contact your education provider.

If you don’t agree with information on your CAN

If you think there is an error or don’t agree with information on your CAN, you should tell your education provider.

You must do this within 14 days of the date of issue on your CAN.


If you want further detail about your debt

myHELPbalance

To get further information about your HELP loans sign into myHELPbalance

You can see what you’ve borrowed using FEE-HELP, VET FEE-HELP and VET Student loans, and HECS-HELP.

Accessing myHELPbalance shows you:

  • your available HELP balance (the amount you have available to borrow using HELP loans)
  • what you borrowed for each unit of study and for each course of study
  • any repayments against your debt that have credited your HELP balance (from 1 July 2020).

You will be able to see your full HELP loan history, including OS-HELP, SA-HELP loans, and HECS-HELP borrowings prior to 1 January 2020 that do not count towards your HELP balance, by exporting your full loans history.

You will not see the indexation of your debt.

If you want information from before 2005 you will need to contact your provider.

If you’ve forgotten your CHESSN

Your CHESSN is on your Commonwealth assistance notice (CAN).

You can get your CHESSN or a copy of your CAN from your education provider.

If you have more than one CHESSN

You’ll need to combine your CHESSNs.

Email heims.datacollections@education.gov.au and ask for your CHESSNs to be combined.

Updated 2 January 2020


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