Loans that the Commonwealth makes to students under Chapter 3 are repayable under this Chapter. Loans that the Commonwealth makes to students under Schedule 1A are also repayable under this Chapter.

Each loan is incorporated into the person's accumulated HELP debt (see Part 4-1).

Under Part 4-2, the accumulated debts can be repaid in 2 ways:

•       a person may make voluntary repayments (which may attract a repayment bonus); or

•       compulsory repayments (based on a person's income) are made using the system for payment of income tax.