The term “HECS-HELP discount” is a beneficial offer for eligible students who pay their HECS-HELP debt in full upfront rather than postponing it and paying it back through the tax system. 

For those who have the financial resources to do so, paying tuition fees in advance saves money since they receive a reduction in the total amount they owe.

The Australian government offered the HECS upfront discount as a financial incentive to entice students to pay their tuition costs upfront before the census date. Students could save money on their overall tuition expenses by paying all of their tuition fees upfront.

But before we move further, this program was last offered till December 31, 2022.

HECS Upfront Discount

Yes, what you just read is true. The Australian Government has removed the HECS-HELP up-front discount offer.

The purpose of this reduction was to encourage upfront contributions and lessen the financial strain on students who wanted to avoid getting student loans.

Evolution of HECS Upfront Discount through the years

Here are a few points that explain the development of the HECS Upfront Discount over time:

  • In 1989, HECS initially offered a 15% discount to the ones who wanted to pay in full upfront.
  • In 1993, the upfront discount was raised to 25%.
  • In 2005, after HELP was introduced, it was lowered to 20%.
  • In 2012, the discount was lowered to 10%.
  • In 2017, the discount was completely removed.
  • In 2021, it was reintroduced at a rate of 10%.
  • In 2023, The upfront discount is no longer valid.
HECS Upfront Discount

What does HECS Help upfront discount offer you?

In order to avail of this offer, you have to pay at least $500 for your tuition fees during your study session. And that will lead you to a 10% discount on your actual fee.

It is a cost-saving opportunity that many students weren’t aware of.

This offer was also available in 2016 and ceased again on January 1, 2017. About 77,000 students availed this discount in 2021, compared to 72,000 in 2016.

This program also offers a bonus of 5% to HELP debtors who make voluntary repayments of $500 or more towards their debt.

If you want to pay all of your course costs in advance, you simply need to pay 90% of the total fees. The other 10% will be paid directly to your provider by the federal government. 

And even if you wanna pay a part of it upfront, that’s also totally fine as long as it’s more than $500.

However, the removal of the upfront discount affects only students who can afford to pay beforehand, but the bonus for voluntary repayments affects all past and current students who desire to reduce their HELP debt. 

But the removal of bonuses for voluntary repayments will also only affect those who can afford to make voluntary repayments in excess of what is necessary when yearly tax returns are examined.

Eligibility for HECS Upfront Discount

The eligibility criteria for HECS upfront discount is the same as for HECS debt.

HECS Upfront Discount

To qualify for HECS-HELP, you must be an Australian citizen, have a New Zealand Special Category visa, or have a permanent humanitarian visa. Additionally, you must be enrolled in an authorized higher education course at a recognized institution.

How does the bonus for voluntary repayments work?

A bonus for voluntary repayments often entails obtaining rewards or perks for making additional loan payments. 

In some loan programs, such as student loans, borrowers may be awarded incentives or bonuses for making voluntary repayments beyond the statutory minimum amount. These voluntary repayments are paid in addition to the regularly scheduled installments. The incentive typically takes the form of lower interest rates or other credit arrangements that are more favorable.

Hecs Repayment

Assume you have a student loan with a fixed interest rate. 

The lender provides a 0.25 percent interest rate decrease for each year that you make voluntary repayments of a particular amount (for example, $1,000) beyond the required minimum payment.

If you consistently make these extra payments, the interest you owe could gradually decrease over time, which might result in savings on the cost of your loan as a whole. On mytaxdaily.com.au, you can find a calculator designed to help you determine your HECS Student Debt Repayment.


While HECS-HELP is a valuable solution for many students to fund their education without incurring immediate financial hardship, other individuals may want to pay their tuition expenses without incurring debt.

With the option of upfront payment, families and students may handle their funds in accordance with their choices and circumstances. 

Although, it was a good initiative taken by the Australian government. But, who knows they might revive it? In that case, you should have full knowledge about what it is and here is all the information that you need.



Through HECS Upfront discount offer, students have availed a 10% discount on their fees if they paid $500 or more than that. But sadly that offer is not valid now.


No. The scheme has been discontinued and revived multiple times, and it was last accessible until December 31, 2022.


Students who can afford to pay $500 or more from their tuition fee upfront can get a discount of 10% on their actual fee.


Before being discontinued, the HECS Upfront discount was almost 10%.


Your financial situation will determine what you can afford. You may do so if you can pay your tuition up ahead. And if you’re strapped for cash, consider HECS Debt. For individuals who can’t afford to pay it in full upfront, it’s an excellent choice.

Will the HECS Upfront discount be revived in the future?

Never say never. 
As we have explained the history of continual and dismissal of the HECS Upfront discount above, with that sort of instability, it might be revived again in the future as it was very beneficial for both, those who can afford to pay upfront and for those taking the HECS- HELP scheme.

What are the eligibility criteria for HECS-HELP?

To qualify for HECS-HELP, you must be an Australian citizen, have a New Zealand Special Category visa, or have a permanent humanitarian visa. Additionally, you must be enrolled in an authorized higher education course at a recognized institution.

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