What happens if I never pay my HECS debt?
If you never repay your HECS debt, it will stay with you for life, as it doesn?t expire. The debt doesn?t accrue interest but is indexed annually to inflation. Repayments are income-contingent, so if your income never exceeds the repayment threshold, you won?t be required to make payments. However, the debt will continue to grow with inflation until it's eventually repaid.
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