{
  "retrievedDate": "2026-10-07",
  "fetchedTimezone": "Australia/Sydney",
  "currency": "AUD",
  "sourceName": "ATO — Study and training loan repayment thresholds and rates",
  "sourceUrl": "https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds",
  "sourceLastUpdatedOnPage": "30 June 2026",
  "crossCheck": {
    "name": "StudyAssist — Loan repayments",
    "url": "https://www.studyassist.gov.au/managing-and-repaying-your-loan/loan-repayments",
    "note": "Confirms 2025–26 minimum threshold $67,000; points to ATO for full rates."
  },
  "methodNote": "From 2025–26, compulsory repayments use marginal rates on income above the minimum threshold (except the top band, which is 10% of total repayment income).",
  "years": {
    "2025-26": {
      "label": "VERIFIED FACT",
      "incomeYear": "2025–26",
      "sourceUrl": "https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds",
      "fetchedDate": "2026-10-07",
      "brackets": [
        {
          "min": 0,
          "max": 67000,
          "type": "nil",
          "description": "Nil"
        },
        {
          "min": 67001,
          "max": 125000,
          "type": "marginal",
          "rate": 0.15,
          "over": 67000,
          "description": "15c for each $1 over $67,000"
        },
        {
          "min": 125001,
          "max": 179285,
          "type": "base_plus_marginal",
          "base": 8700,
          "rate": 0.17,
          "over": 125000,
          "description": "$8,700 plus 17c for each $1 over $125,000"
        },
        {
          "min": 179286,
          "max": null,
          "type": "percent_of_total",
          "rate": 0.10,
          "description": "10% of your total repayment income"
        }
      ]
    },
    "2026-27": {
      "label": "VERIFIED FACT",
      "incomeYear": "2026–27",
      "sourceUrl": "https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds",
      "fetchedDate": "2026-10-07",
      "brackets": [
        {
          "min": 0,
          "max": 69528,
          "type": "nil",
          "description": "Nil"
        },
        {
          "min": 69529,
          "max": 129717,
          "type": "marginal",
          "rate": 0.15,
          "over": 69528,
          "description": "15c for each $1 over $69,528"
        },
        {
          "min": 129718,
          "max": 186050,
          "type": "base_plus_marginal",
          "base": 9028,
          "rate": 0.17,
          "over": 129717,
          "description": "$9,028 plus 17c for each $1 over $129,717"
        },
        {
          "min": 186051,
          "max": null,
          "type": "percent_of_total",
          "rate": 0.10,
          "description": "10% of your total repayment income"
        }
      ]
    }
  },
  "repaymentIncomeComponents": {
    "label": "VERIFIED FACT",
    "sourceUrl": "https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds",
    "fetchedDate": "2026-10-07",
    "components": [
      "taxable income (excluding any assessable First Home Super Saver released amounts)",
      "reportable fringe benefits",
      "total net investment loss (including net rental losses)",
      "reportable super contributions",
      "exempt foreign employment income amounts"
    ]
  },
  "outOfScope": [
    "Employer withholding / PAYG variations during the year",
    "Voluntary repayments",
    "Overseas levy / worldwide income rules",
    "Indexation of HELP debt",
    "Which loan type is repaid first when multiple debts exist",
    "Tax advice or ATO assessment outcomes"
  ],
  "unknown": []
}