https://www.ird.govt.nz/about-us/videos/customer-stories/paying-off-your-student-loan
The video's title, So how did you pay off your NZ student loan?, is displayed. Three young people then share their student loan tips from the Sydney waterfront. The video ends with the following information displayed: See how you can pay off your student loan sooner.

https://www.govt.nz/browse/education/tertiary-education/paying-back-your-student-loan/
If you're based in New Zealand. You must start or continue repaying your student loan to IR and earning over a certain amount. How much you pay depends on whether you earn a salary or wages, or you're self-employed or earn other types of income. Check the IR website for information about repayments and deduction rates or exemptions, and

https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan/when-i-pay-off-my-student-loan
When I pay off my student loan. When your loan balance is less than $1,000, we will let you know that you are getting close to repaying your loan. If you earn salary or wages and have only 1 employer, we will notify your employer when your loan will be paid off in the next 3 pay periods. We'll ask your employer to adjust the last loan payment

https://www.youtube.com/watch?v=InVocdklTlo
When you're away from New Zealand for more than 6 months, you'll be considered 'overseas-based' and your student loan obligations change. In this video, you

https://www.studylink.govt.nz/finished-study/your-loan.html
You need to start making repayments once you earn over $24,128 a year before tax ($464 a week before tax). You can also choose to make additional payments which means you may be able to pay off your loan faster. Use the Student Loan repayment calculator on the Inland Revenue website to see how long it will take you to pay off.

https://www.studylink.govt.nz/products/a-z-products/student-loan/index.html
If you start study in 2024, you may be able to get Fees Free to pay for your first year. If you can get Fees Free for your first year, you may not need a Student Loan to pay for your course fees. However, you'll still need to apply for a Student Loan if you want course-related costs or living costs. From 2025, Fees Free will be available for

https://www.mas.co.nz/hub/so-you-want-to-pay-off-your-student-loan/
Here are some important things you should know about getting rid of that lurking student loan debt - fast. 1. The bare minimum. If you're earning $21,268 a year or more in Aotearoa New Zealand you will automatically have to start paying back your student loan at 12% of every dollar you earn over that $21,268 repayment threshold.

https://www.studylink.govt.nz/in-study/income/how-income-affects-student-loan.html
Your Student Loan isn't affected by any income you earn. But you'll need to start paying it back when you earn over $24,128 before tax a year (or $464 a week before tax) even if you're still studying. You may be able to apply for a repayment deduction exemption from Inland Revenue if you're: still studying. earning more than $464 before tax on

https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan/repaying-my-student-loan-when-i-earn-salary-or-wages
Student loan repayments for your main job. You repay 12% of every dollar you earn over the pay period repayment threshold when you use a tax code with 'SL' for your main job (M SL or ME SL). For example, in the 2025 tax year, if you earn $600 a week before tax, your repayment will be $16.32. $600 (weekly pay before tax) − $464 (weekly

https://www.ird.govt.nz/student-loans
Student loans. 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. If you have a loan, you have to start repaying what you've borrowed if you live overseas or earn over $24,128. You will also need to pay an annual administration fee of $40 as well

https://www.debtfix.co.nz/blog/2022/2/23/paying-off-your-student-loan
For most New Zealanders, university or polytechnic life also means signing up for a student loan. Debtfix advocates paying off the most expensive debts first and the advantage of a student loan is that while students remain in New Zealand, they have an interest free loan. ... You become overseas based, when you depart New Zealand and after 184

https://www.canstar.co.nz/credit-cards/how-to-repay-your-student-loan-faster/
Student loan repayments are automatically deducted from your salary. So, as long as you are working (in New Zealand) you will be paying back your student loan. How much you pay back each week depends on your salary. According to Inland Revenue, you pay 12% of every dollar (12c) you earn above the repayment threshold.

https://www.reddit.com/r/PersonalFinanceNZ/comments/17wgnam/paying_off_student_loan_slightly_early/
Pay it off. Not all decisions are financial! If you will enjoy the feeling of paying it off then it is worth the $200~ or so to you! The fact that you asked the question means you know what you want to do with YOUR money. Paying off my student loan was the best feeling!

https://www.taxpolicy.ird.govt.nz/student-loans
Student loans. 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. If you have a loan, you have to start repaying what you've borrowed if you live overseas or earn over $24,128. You will also need to pay an annual administration fee of $40 as well

https://www.become.nz/articles/pay-off-your-student-loan
If you live in New Zealand, Inland Revenue subtracts 12% from each dollar you make beyond a certain threshold. This means your student loan repayment reduces your income by 12% - above the threshold - and therefore the amount of free cash flow available to you, and thus reduces the amount of debt you can service.

https://www.reddit.com/r/newzealand/comments/4tv7v2/have_any_of_you_paid_off_your_student_loans/
Paid mine off a couple of weeks ago, called IRD when I though I was close, they said change your tax code, check back in 2 months and if you owe less than $20 they will write it off, paid too much and they'll pay you back, more than $20 you need to pay them... Print, Sign and hand this (IR330) to whoever deals with it at your job. Enjoy your

https://www.studylink.govt.nz/in-study/debt/pay-debt-in-new-zealand.html
Repayment options. Below are the different repayment arrangements you can use if you're making repayments from New Zealand. These are for people who are not getting a Student Allowance from us. We don't offer direct debit services. If you need help setting up a payment arrangement, contact our Client Support Debt Management team.

https://www.reddit.com/r/newzealand/comments/8z7sy7/paying_student_loan_off_in_full/
35. HakuStarSel. • 6 yr. ago. Internet banking usually has an option to make payments to IRD accounts, just look for "pay tax" or similar. The code for student loan is SLS. Source: am accountant (don't worry, I won't tell my boss and she probably won't make me charge you for telling you this) 20. engapol123. • 6 yr. ago.

https://www.ird.govt.nz/student-loans/tracking-my-student-loan-balance/student-loan-repayment-calculator
Student loan repayment calculator. It may be helpful to see how much faster you can pay off your loan if your income changes, or if you make additional payments. Additional payments are in the 'Pay it faster' option in the calculator. You'll need your student loan balance to work out when you will pay it off. See my student loan balance. 5

https://www.reddit.com/r/newzealand/comments/1151c8x/any_advice_on_paying_off_student_loan/
Return on paying off a student loan: 0%pa. Return on a term deposit: 4%pa. Yes the student loan will reduce your borrowing capacity. But rather than paying it off now you would have a better return by keeping your savings in a short term term deposit or even a normal savings account and then paying the loan off when it's time to borrow. 2. Award.

https://www.forbes.com/advisor/student-loans/student-loan-forgiveness-faqs/
Depending on the plan, your payments would be up to 10% to 20% of your discretionary income, so you'd pay $813 to $1,626 per year. ... How To Pay Off Student Loan Debt ;

https://www.ird.govt.nz/student-loans/living-in-new-zealand-with-a-student-loan/repaying-my-student-loan-when-i-earn-salary-or-wages/how-to-make-extra-repayments-to-your-student-loan
You can make extra repayments to your student loan if you want to pay it off faster. You can either: make one-off payments when you can. ask your employer to make extra repayments from your salary or wages. To make a one-off payment check out ways you can make a payment to us. Ways of paying.

https://news.sky.com/story/money-blog-personal-finance-mortgage-rate-shopping-sky-news-13040934
As of 16 June 2024, the AER on this account was nearer 4.68% - although as long as you make a note to review and move your cash when the bonus is removed, you can still earn 5.10% in the meantime.

https://www.reddit.com/r/newzealand/comments/14pohhd/how_to_approach_student_loan_debt/
Honestly, if you can't afford to pay anything at all, you're gonna have to declare bankruptcy. They'll consider capitalizing the loan without that, but that only resets the clock, you'd still be required to pay the loan back. Call them and see if they're willing to accept you paying like $5 a week or something small.

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
The amount of your repayments depends on your salary and wage income plus any adjusted net income. The amount you have to pay to your student loan each year is 12% of every dollar you earn over the repayment threshold. The annual repayment threshold is: $24,128 for the 2025 tax year (1 April 2024 to 31 March 2025) $22,828 for the 2024 tax year