HECS-HELP Repayment
HECS-HELP तिर्ने
Context: A graduate asks about HECS-HELP loan repayment thresholds and obligations.
Officer
You've finished your degree. Let me explain how your HECS debt works.
स्नातक
म कहिलेदेखि तिर्न सुरु गर्नुपर्छ?
Officer
Repayment is automatic through the tax system. You start repaying only when your income exceeds the threshold — currently about fifty-four thousand dollars per year.
स्नातक
कति प्रतिशत कटिन्छ?
Officer
It starts at one percent of your total income and increases as you earn more. At eighty thousand, it's about three point five percent.
स्नातक
ब्याज लाग्छ?
Officer
There's no interest, but your debt is indexed each year in line with the Consumer Price Index — essentially inflation.
स्नातक
स्वेच्छा भुक्तानी गर्न सकिन्छ?
Officer
Yes, you can make voluntary payments anytime on the ATO website. This reduces your debt faster. Some people prefer to pay it off before travelling overseas.
Segment count: 9 — Practice interpreting each segment before reading the next