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.

3.8.19 SSL - qualification & payability


This section provides information on the qualification (1.1.Q.10) and payability for the SSL.

The SSL is paid to students receiving YA (student) or Austudy up to twice per calendar year. Students are able to apply for the loan on a voluntary basis. The loans are repayable under the same arrangements as HELP debts. This means that while the loans are interest free, they are subject to indexation. Similar to interest, indexation is applied to keep up with changes in cost of living. This means the SSL is likely to grow and the amount a student repays in total will be more than the original amount of the loan.

Students will only be required to begin repaying their loan once their earnings are above the repayment threshold. For further details, go to Study and training loan repayment thresholds and rates.

Act reference: SSAct section 1061ZVHA Liability to repay amounts

Higher Education Support Act 2003 section 154-10 Minimum repayment income

Policy reference: SS Guide Student start-up loan (SSL) - description, SSL - current rate

Study and training loan repayment thresholds and rates

Last reviewed: