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HECS-HELP Repayment 2026-27: How the Marginal Rate System Works and What It Costs Your Borrowing Power HECS-HELP repayments in 2026-27 use a marginal rate system: 0% below $69,528, 15% on income above that to $129,717, then 17% to $186,050, then 10% of total income. See how much you repay at every income level and how lenders treat HELP debt in mortgage applications.