Repaying debt if you're not getting a Student Allowance

If you're not getting a Student Allowance, you can set up a repayment arrangement to pay off your debt. We can work with you on a repayment plan that suits you.

Go to the page 'Your debt with us' if you want information about:

how to get a breakdown of your debt
what to do if you don't agree with your debt
support for managing your debt.

If you have a Student Loan and want to pay it back, you need to contact .

Debt repayment information

If you're getting a Student Allowance, there's a different process for your debt repayments.

Repaying debt while getting a Student Allowance

Help with your debt

If you need help with your debt or want to talk about it, you can contact our Client Support Debt Management team

Below is a guide of how much you could repay. This is just a guide, it depends how much you can afford.

Debt amount	Repayment amount
Less than $2,000	$25 a week ($1,300 a year)
$2,000 - $3,500	$30 a week ($1,560 a year)
$3,500 - $5,000	$35 a week ($1,820 a year)
$5,000 - $6,000	$40 a week ($2,080 a year)
$6,000 - $8,000	$45 a week ($2,340 a year)
More than $8,000	$50 a week ($2,600 a year)

When deciding how much your repayments should be, you'll need to think of things like:

your budget
your upcoming expenses
any other debts you may have
how long you want to be repaying the money.

Talk to us about your repayment amount

You need to contact our Client Support Debt Management team about your repayment amount. They'll work with you on a repayment plan based on what you can afford.

When you call, they'll ask you:

your contact details, e.g. address, phone and email
about your income
about your expenses
if you have any dependent children.

You may be asked to provide proof.

We understand that it can be hard to stretch your budget to include debt repayments.

If you're struggling to repay your debt, contact our Client Support Debt Management team. They can work with you on a repayment plan based on what you can afford.

We won't charge interest or impose penalties on your debt.

What happens if you don't repay your debt

We'll try to contact you several times about your debt. If you don't respond, we'll seek to get the money back in other ways.

To find out your current circumstances, we compare information with other government agencies, e.g. Inland Revenue.

There are legal steps we can take which allow us to recover your debt without your consent, such as:

making deductions from your wages, or
making deductions from your bank account.

If you don't pay back your debt, it could affect what financial help you can get from us in the future.

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