CINXE.COM
Student loans
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class="tereo" aria-hidden="true" lang="mi">Ngā tautoko i ngā whānau</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/managing-my-tax" aria-label="Managing my tax"> <span>Managing my tax</span> <span class="tereo" aria-hidden="true" lang="mi">Te whakahaere i taku tāke</span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/individuals-and-families" class="more-link" aria-label="More individuals and families">More individuals and families <i class="fas fa-arrow-right"></i></a> </div> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Families</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā whānau</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/working-for-families" aria-label="Working for Families"> <span>Working for Families</span> <span class="tereo" aria-hidden="true" lang="mi">Working for families</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/child-support" aria-label="Child support"> <span>Child support</span> <span class="tereo" aria-hidden="true" lang="mi">Te tautoko tamariki</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/paid-parental-leave" aria-label="Paid parental leave"> <span>Paid parental leave</span> <span class="tereo" aria-hidden="true" lang="mi">Te utu tiaki pēpi</span> </a> </section> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Property and Trusts </span> <span class="tereo" aria-hidden="true" lang="mi">Ngā wharangi rongonui</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/trusts-and-estates" aria-label="Trusts and estates"> <span>Trusts and estates</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā rōpū kaitiaki me ngā rawa tuku iho</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/property" aria-label="Property"> <span>Property</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā rawa</span> </a> </section> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Individuals</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā tāngata</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/income-tax/income-tax-for-individuals" aria-label="Income tax for individuals"> <span>Income tax for individuals</span> <span class="tereo" aria-hidden="true" lang="mi">Te tāke moni whiwhi mō ngā tāngata takitahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/non-residents" aria-label="Non-residents"> <span>Non-residents</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā kainoho-tāwāhi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/self-employed" aria-label="Self-employed"> <span>Self-employed</span> <span class="tereo" aria-hidden="true" lang="mi">Mahi ā-kiri</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/kiwisaver/kiwisaver-individuals" aria-label="Kiwisaver for individuals"> <span>Kiwisaver for individuals</span> <span class="tereo" aria-hidden="true" lang="mi">Kiwisaver mā te tangata takitahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans" aria-label="Student loans"> <span>Student loans</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā pūtea taurewa ākonga</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/cryptoassets/individual" aria-label="Cryptoassets for individuals"> <span>Cryptoassets for individuals</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā rawa whiti-rangi mā te tangata takitahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/unclaimedmoney" aria-label="Unclaimed money"> <span>Unclaimed money</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> </section> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 col-bg-sub-menu"> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Situations</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā āhuatanga</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/i-am-going-overseas" aria-label="I am going overseas"> <span>I am going overseas</span> <span class="tereo" aria-hidden="true" lang="mi">Kei te haere ahau ki tāwāhi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/i-received-an-income-tax-assessment" aria-label="I received an income tax assessment"> <span>I received an income tax assessment</span> <span class="tereo" aria-hidden="true" lang="mi">I whiwhi i ahau tētahi aromatawai tāke moni whiwhi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/unable-to-pay-my-tax-debt" aria-label="I'm struggling to file and pay my tax"> <span>I'm struggling to file and pay my tax</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/situations" class="more-link" aria-label="More situations">More situations <i class="fas fa-arrow-right"></i></a> </div> </div> </div> </div> <div class="megamenu-item col-xs-12 col-sm-4 col-md-4 menu-tab" data-index="1"> <button type="button" class="megamenu-first-level" aria-expanded="false"> <div class="menu-item"> <span>Business and organisations</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā pakihi me ngā whakahaere</span> </div> </button> </div> <div class="megamenu-sub-menu-content mega-menu-subitems-root-1" data-index="1"> <div class="row"> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Popular pages</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā wharangi rongonui</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/covid-19" aria-label="Covid-19 Businesses and organisations"> <span>Covid-19 Businesses and organisations</span> <span class="tereo" aria-hidden="true" lang="mi">KOWHEORI-19 Ngā pakihi me ngā whakahaere</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/income-tax/income-tax-for-businesses-and-organisations/income-tax-for-companies/file-a-companies-income-tax-return-ir4" aria-label="File a companies income tax return - IR4"> <span>File a companies income tax return - IR4</span> <span class="tereo" aria-hidden="true" lang="mi">Te tuku i tētahi puka tāke moni whiwhi kamupene - IR4</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/maori" aria-label="Māori"> <span>Māori</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/not-for-profits-and-charities" aria-label="Not-for-profits and charities"> <span>Not-for-profits and charities</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/employing-staff/deductions-from-income/deductions-from-salary-and-wages/work-out-paye-deductions-from-salary-or-wages" aria-label="PAYE calculator to work out salary and wage deductions"> <span>PAYE calculator to work out salary and wage deductions</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/property" aria-label="Property"> <span>Property</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā rawa</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/managing-my-tax/ird-numbers" aria-label="IRD numbers"> <span>IRD numbers</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā tau IRD</span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/business-and-organisations" class="more-link" aria-label="More business and organisations">More business and organisations <i class="fas fa-arrow-right"></i></a> </div> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Income tax</span> <span class="tereo" aria-hidden="true" lang="mi">Te tāke moni whiwhi</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/income-tax/income-tax-for-businesses-and-organisations/types-of-business-income" aria-label="Types of business income"> <span>Types of business income</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā momo moni whiwhi pakihi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/income-tax/income-tax-for-businesses-and-organisations/tax-rates-for-businesses" aria-label="Tax rates for businesses"> <span>Tax rates for businesses</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā pāpātanga tāke mō te pakihi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/income-tax/income-tax-for-businesses-and-organisations/balance-dates" aria-label="Balance dates"> <span>Balance dates</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā rā mutunga tau pūtea</span> </a> </section> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>GST</span> <span class="tereo" aria-hidden="true" lang="mi">Tāke hokohoko (GST)</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/gst/charging-gst" aria-label="Charging GST"> <span>Charging GST</span> <span class="tereo" aria-hidden="true" lang="mi">Te uta i te tāke hokohoko</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/gst/claiming-gst" aria-label="Claiming GST"> <span>Claiming GST</span> <span class="tereo" aria-hidden="true" lang="mi">Te kerēme tāke hokohoko</span> </a> </section> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Employing staff </span> <span class="tereo" aria-hidden="true" lang="mi">Te tuku mahi ki ngā kaimahi</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/employing-staff/register-as-an-employer" aria-label="Register as an employer"> <span>Register as an employer</span> <span class="tereo" aria-hidden="true" lang="mi">Te rēhita hei kaituku mahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/employing-staff/paying-staff" aria-label="Paying staff"> <span>Paying staff</span> <span class="tereo" aria-hidden="true" lang="mi">Utu kaimahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/employing-staff/payday-filing" aria-label="Payday filing"> <span>Payday filing</span> <span class="tereo" aria-hidden="true" lang="mi">Te tāpaetanga rā utu</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/employing-staff/deductions-from-income" aria-label="Deductions from income"> <span>Deductions from income</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā tangohanga mai i ngā moni whiwhi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/kiwisaver/kiwisaver-employers" aria-label="KiwiSaver for employers"> <span>KiwiSaver for employers</span> <span class="tereo" aria-hidden="true" lang="mi">Te KiwiSaver mō ngā kaituku mahi</span> </a> </section> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>International</span> <span class="tereo" aria-hidden="true" lang="mi">Tāwāhi</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/international-tax/business" aria-label="International tax for business"> <span>International tax for business</span> <span class="tereo" aria-hidden="true" lang="mi">Te tāke aowhānui mō ngā pakihi</span> </a> </section> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 col-bg-sub-menu"> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Situations</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā āhuatanga</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/i-am-starting-a-new-business" aria-label="I am starting a new business"> <span>I am starting a new business</span> <span class="tereo" aria-hidden="true" lang="mi">Kei te tīmata au i tētahi pakihi hou</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/i-am-going-to-employ-someone" aria-label="I am going to employ someone"> <span>I am going to employ someone</span> <span class="tereo" aria-hidden="true" lang="mi">Kei te tuku mahi ahau ki tētahi tangata</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/situations/my-business-is-making-a-loss" aria-label="My business is making a loss"> <span>My business is making a loss</span> <span class="tereo" aria-hidden="true" lang="mi">Kei te hapa taku pakihi</span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/situations" class="more-link" aria-label="More situations">More situations <i class="fas fa-arrow-right"></i></a> </div> </div> </div> </div> <div class="megamenu-item col-xs-12 col-sm-4 col-md-4 menu-tab" data-index="2"> <button type="button" class="megamenu-first-level" aria-expanded="false"> <div class="menu-item"> <span>Intermediaries and others</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā takawaenga me ētahi atu</span> </div> </button> </div> <div class="megamenu-sub-menu-content mega-menu-subitems-root-2" data-index="2"> <div class="row"> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Intermediaries</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā takawaenga</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/becoming-an-intermediary" aria-label="Becoming an intermediary"> <span>Becoming an intermediary</span> <span class="tereo" aria-hidden="true" lang="mi">Te tū hei takawaenga</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/getting-authority-to-act" aria-label="Getting authority to act"> <span>Getting authority to act</span> <span class="tereo" aria-hidden="true" lang="mi">Te whiwhi whakamanatanga</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/managing-my-tax/getting-someone-to-act-on-my-behalf/executive-office-holders" aria-label="Executive office holders"> <span>Executive office holders</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā kaipupuri tūnga whakahaere</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/linking-client-accounts" aria-label="Linking client accounts"> <span>Linking client accounts</span> <span class="tereo" aria-hidden="true" lang="mi">Te honohono pūkete kiritaki</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/managing-my-tax/getting-someone-to-act-on-my-behalf/nominated-person" aria-label="Nominated person"> <span>Nominated person</span> <span class="tereo" aria-hidden="true" lang="mi">Te tangata kua whakaingoatia</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/tax-pooling" aria-label="Tax pooling"> <span>Tax pooling</span> <span class="tereo" aria-hidden="true" lang="mi">Te whakarōpū tāke</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/gateway-services" aria-label="Gateway services"> <span>Gateway services</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/intermediaries-and-others" class="more-link" aria-label="More intermediaries and others">More intermediaries and others <i class="fas fa-arrow-right"></i></a> </div> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Tax agents</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā māngai tāke</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/about-us/publications/newsletters-bulletins/agents-answers" aria-label="Agents answers"> <span>Agents answers</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā Whakautu Māngai</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/tax-agents/tax-agent-status" aria-label="Tax agent status"> <span>Tax agent status</span> <span class="tereo" aria-hidden="true" lang="mi">Te tūnga māngai tāke</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/topics/intermediaries/extension-of-time-arrangements" aria-label="Extension of time arrangements"> <span>Extension of time arrangements</span> <span class="tereo" aria-hidden="true" lang="mi">Te whakaroa i ngā whakaritenga wā</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/tax-agents/managing-consolidated-groups" aria-label="Managing consolidated groups"> <span>Managing consolidated groups</span> <span class="tereo" aria-hidden="true" lang="mi">Te whakahaere rōpū tōpū</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/tax-agents/individual-income-tax-for-clients-of-agents" aria-label="Income tax for individual clients of tax agents"> <span>Income tax for individual clients of tax agents</span> <span class="tereo" aria-hidden="true" lang="mi">Te tāke moni whiwhi mā ngā kiritaki takitahi a ngā takawaenga</span> </a> <a href="https://web.archive.org/web/20240512000207/https://www.ird.govt.nz/index/news#sort=%40irscnewspubdate%20descending&numberOfResults=25&f:@computedz95xrole=[Tax%20agents]" aria-label="News updates for tax agents"> <span>News updates for tax agents</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/tax-agents" class="more-link" aria-label="More tax agents">More tax agents <i class="fas fa-arrow-right"></i></a> </div> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 "> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Digital service providers</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā kaiwhakarato ratonga matihiko</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/digital-service-providers/guides-and-docs/getting-started-guide" aria-label="Getting started guide"> <span>Getting started guide</span> <span class="tereo" aria-hidden="true" lang="mi"></span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/digital-service-providers/guides-and-docs/about-the-developer-portal" aria-label="About the developer portal"> <span>About the developer portal</span> <span class="tereo" aria-hidden="true" lang="mi">Mō te tomokanga kaiwhakawhanake</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/digital-service-providers/guides-and-docs/gws-architecture" aria-label="Gateway services architecture"> <span>Gateway services architecture</span> <span class="tereo" aria-hidden="true" lang="mi">Te hanganga ratonga tomokanga</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/digital-service-providers/services-catalogue" aria-label="Services catalogue"> <span>Services catalogue</span> <span class="tereo" aria-hidden="true" lang="mi">Te putumōhio ratonga</span> </a> </section> <div class="more-link-border"> <a href="/web/20240512000207/https://www.ird.govt.nz/digital-service-providers" class="more-link" aria-label="More digital service providers">More digital service providers <i class="fas fa-arrow-right"></i></a> </div> </div> <div class="col-sub-menu col-xs-12 col-sm-3 col-md-3 col-bg-sub-menu"> <section tabindex="-1" class="content"> <div class="sub-menu-heading"> <span>Roles</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā tūranga</span> </div> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/tax-agents" aria-label="Tax agents"> <span>Tax agents</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā māngai tāke</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/bookkeepers" aria-label="Bookkeepers"> <span>Bookkeepers</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā kaikaute</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/paye-intermediaries" aria-label="PAYE intermediaries"> <span>PAYE intermediaries</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā takawaenga PAYE</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/payroll-bureaus" aria-label="Payroll bureaus"> <span>Payroll bureaus</span> <span class="tereo" aria-hidden="true" lang="mi">Ngā tari ripanga utu kaimahi</span> </a> <a href="/web/20240512000207/https://www.ird.govt.nz/roles/other-representatives" aria-label="Other representatives"> <span>Other representatives</span> <span class="tereo" aria-hidden="true" lang="mi">Ētahi atu māngai</span> </a> </section> </div> </div> </div> </div> </div> </div> </nav> </header> <!--End Header--> <link href="/web/20240512000207im_/https://www.ird.govt.nz/-/media/themes/ir/shared/favicon.png?modified=20210228002011" rel="shortcut icon"/> <div class="coveo__searchbox--landing "> <div id="global-search-box-root-element" class="" data-props-placeholder="Search Inland Revenue....; Search Inland Revenue..." data-props-placholder-text-count="2"> <div id="global-search" class="coveo__searchbox"> <div class="container"> <div class="col-xs-12"> <div class="coveo__searchbox__wrapper row"> <div class="search-icon"></div> <div class="CoveoOmnibox mobile-search" data-placeholder="Search" role="search" data-query-suggest-character-threshold="0" data-number-of-suggestions="8" data-inline="true" data-auto-focus="false"> </div> <div class="searchTips mobile-search-tips background--grey"> <a href="/web/20240512000207/https://www.ird.govt.nz/about-this-site/search-tips" class="searchTips-link">Search tips</a> </div> <div class="CoveoSearchButton"></div> <div 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url(/web/20240512000207im_/https://www.ird.govt.nz/-/media/project/ir/home/graphics/student-loans/student-loans-banner.jpg?modified=20210201005732&modified=20210201005732) no-repeat 50% 100%; background-size: cover;"></div> <h1 class="divider"> <span aria-hidden="true" lang="mi">Ngā pūtea taurewa ākonga</span> Student loans </h1> </div> </div> <div id="content" style="min-height: 155px;" tabindex="-1"> <div class="container"> <div class="component row-splitter"> <div class="container-fluid"> <div class="row"> </div> </div> </div> <div class="row component column-splitter"> <div class="col-xs-12 col-md-7"> <div class="component container"> <div class="component-content"> </div> </div> <div class="component row-splitter"> <div class="container-fluid"> <div class="row"> <div class="component content"> <div class="component-content"> </div> </div> </div> </div> <div class="container-fluid"> <div class="row"> <div class="component content col-xs-12" id="main-content"> <div class="component-content"> <div class="field-content"><p>Student loans help New Zealanders pay for their studies and living costs while they are studying. You can apply for a student loan through StudyLink. </p> <p>If you have a loan, you have to start repaying what you've borrowed if you live overseas or earn over $24,128.</p> <p>You will also need to pay an annual administration fee of $40 as well as any interest and penalties that are added to your loan.</p></div> </div> </div> </div> </div> <div class="container-fluid"> <div class="row"> <!-- BEGIN NOINDEX --> <!--Start LinkBlock--> <div class="container container-width-auto"> <div> <ul class="clearfix landing-page-links"> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/tracking-my-student-loan-balance" title="Tracking my student loan balance" class="internal "> Tracking my student loan balance </a> <p> Find out how you can keep track of your student loan balance, what options are available if you're finding it hard to make repayments, what interest and fees are charged on your loan and how to get the most out of your student loan statement. </p> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan" title="Living in New Zealand with a student loan" class="internal "> Living in New Zealand with a student loan </a> <p> Find out what your student loan repayments will be, how you'll make repayments to your loan, what happens when you pay your loan off, and how to get a new loan if you want to study again when you live in New Zealand. </p> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/living-overseas-with-a-student-loan" title="Living overseas with a student loan" class="internal "> Living overseas with a student loan </a> <p> Find out what your student loan repayments will be, how you'll make repayments to your loan and what happens when you pay your loan off when you live overseas. </p> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/going-overseas-or-returning-to-new-zealand" title="Going overseas or returning to New Zealand" class="internal "> Going overseas or returning to New Zealand </a> <p> Your student loan payments may change when you move overseas or return to New Zealand after being away. </p> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/tracking-my-student-loan-balance/student-loan-repayment-calculator" title="Student loan repayment calculator" class="internal "> Student loan repayment calculator </a> <p> Check what your student loan repayments will be and how long it'll take to pay off your loan using our repayment calculator. You can even include 'extra payments' to see what effect they'll have. </p> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/your-rights-and-responsibilities" title="My student loan rights and responsibilities" class="internal "> My student loan rights and responsibilities </a> <p> Learn what your rights and responsibilities are when you have a student loan. </p> </li> </ul> </div> </div> <!--End LinkBlock--> <!-- END NOINDEX --> </div> </div> </div> </div> <div class="col-xs-12 col-md-4 col-md-offset-1"> <div class="component row-splitter"> <div class="container-fluid"> <div class="row"> <!--Start KeyDateSummary--> <div id="ir-key-date-summary" class="ir-key-date-summary"> <h4>Student loans Dates</h4> <ul class="ir-key-date-list"> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan/repaying-my-student-loan-when-i-am-self-employed-or-earn-other-income"> <div class="ir-key-date"> <span class="month">AUG</span> <span class="date">28</span> </div> <div class="ir-key-date-desc">Interim student loan repayments are due. They count towards your end-of-year repayment obligation.</div> </a> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/living-overseas-with-a-student-loan"> <div class="ir-key-date"> <span class="month">SEP</span> <span class="date">30</span> </div> <div class="ir-key-date-desc">Overseas-based student loan repayment due if you do not have a temporary repayment suspension.</div> </a> </li> <li> <a href="/web/20240512000207/https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan/repaying-my-student-loan-when-i-am-self-employed-or-earn-other-income"> <div class="ir-key-date"> <span class="month">JAN</span> <span class="date">15</span> </div> <div class="ir-key-date-desc">Interim student loan repayments are due. They count towards your end-of-year repayment obligation.</div> </a> </li> </ul> <div class="ir-key-date-link-wrap"> <a href="/web/20240512000207/https://www.ird.govt.nz/index/key-dates#f:@irsccoresubject=[Student loans]" class="ir-key-date-link">All Student loans dates</a> </div> </div> <!--End KeyDateSummary--> </div> </div> <div class="container-fluid"> <div class="row"> </div> </div> </div> </div> </div> </div> </div> <!--Start RelatedContent--> <div class="component related-content"> <div class="container-fluid grey-bg padding-gutter"> <div class="container"> <div class="row link-blocks-row"> <div class="col-md-4 link-block-related mobile-view-link-blocks col-xs-12"> <div class="component link-block"> <h4>Other Sites</h4> <ul class="link-block external"> <li> <a class="external" title="Studylink" href="https://web.archive.org/web/20240512000207/https://www.studylink.govt.nz/">Studylink</a> </li> </ul> </div> </div> </div> </div> </div> </div> <!--End RelatedContent--> <div 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