HECS/HELP Impact on Borrowing Power Calculator 2026

Find out exactly how much your HECS/HELP student debt reduces your home loan borrowing capacity. Shows borrowing power with and without HELP, the percentage reduction, and whether paying off HELP debt is worthwhile.

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Enter your details above to get instant, accurate results. Our calculator uses current Australian rates and rules — updated regularly.

Need help? Our guides explain how each calculation works and what the results mean for you.