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HEKE - Heroic Educated Kiwi Expatriates

Making repayments if you're overseas

If you're an overseas-based borrower and you're not on a repayment holiday, your repayment obligation is based on the size of your loan balance and is due in two instalments on 31 March and 30 September, as long as you're overseas-based for the full tax year.

If your account is overdue, you'll need to immediately make a repayment for your outstanding obligations or contact us so we can work together to get your repayments back on track.

Make a repayment from overseas

Your obligations when you’re overseas

When you're overseas it's important to manage your student loan account by keeping your contact details updated and meeting your student loan repayment obligations. While you're overseas interest is charged on your student loan and if you have not been keeping up to date with your repayments, penalties may also be charged on any outstanding obligation.

Keeping a close eye on your student loan will help you:

  • manage it better
  • pay it off sooner, and
  • avoid any late payment penalties.

Find out about your obligations if you're overseas

With our voluntary repayment bonus you can get a 10% repayment bonus if you make extra repayments of $500 or more above your repayment obligation on your student loan.

Find out more about the voluntary repayment bonus

Register for online services

It's free, secure and only takes a few minutes to complete. You can check your student loan balance any time, send and receive secure emails about your loan and update your contact details.

Register for our online services

Login to our online services

Contact us

If you need to discuss further payment options or an arrangement for your student loan, you can call us on:

  • +64 3 951 2004 (if you have overdue payments)
  • +64 3 951 2020 (for all other enquires)

You can also email us at:


Date published: 28 Mar 2011

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