Tahi Student Loan.

Interest-free at home, but they follow you everywhere. Know where you stand.

See your payoff timeline

See how PAYE deductions chip away at your debt, and watch how a pay rise or voluntary payment accelerates your payoff date.

NZ student loans work differently to other debt. No interest at home, but the rules change when you leave.

0% interest in NZ

As long as you live in New Zealand, your student loan has no interest. Every repayment goes straight to reducing your balance.

Repayments via PAYE

Once you earn over $22,828/year, 12 cents of every dollar above that threshold is automatically deducted by your employer. No action needed.

Overseas? Interest kicks in.

The moment you've been outside NZ for 6+ months, interest starts accruing (currently 3.5% p.a.). You must also make direct repayments to IRD.

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MADE IN AOTEAROA

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