The Guides to Social Policy Law is a collection of publications designed to assist decision makers administering social policy law. The information contained in this publication is intended only as a guide to relevant legislation/policy. The information is accurate as at the date listed at the bottom of the page, but may be subject to change. To discuss individual circumstances please contact Services Australia.

1.1.R.20 Real rate of interest (SFSS)

Note: No new financial supplement loans are available from 1 January 2004.

For existing loans, a person's loan repayment arrangements will continue unchanged. Remaining loans will be collected via the taxation system.

The following SFSS guideline references remain for historical purposes.


For the purposes of the SFSS, the 'real rate of interest' is the interest rate charged by the CBA on the outstanding financial supplement (1.1.F.140) debt that is paid to the bank by the Commonwealth.

Act reference: SSAct Chapter 2B Student Financial Supplement Scheme

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