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Delays to response times: It is taking longer than usual to answer calls and myIR messages, and to process some COVID-19 Support Payment applications. This is because of the impact of COVID-19. If possible, please contact us through your myIR account. Log in to myIR

Budget 2022: The Government has announced Budget 2022, which includes changes to child support payments. Find out more on our Tax Policy website

Budget 2022: The Government has announced a Cost of Living Payment, which will be paid from 1 August 2022. You do not need to apply for this payment. If you are eligible, we’ll pay it into your bank account. Find out more

We understand the effect COVID-19 has on our customers. If you’re struggling to pay your student loan visit ird.govt.nz/covid-19 for ways we can help.

When you’re away from New Zealand for more than 6 months, you'll be considered 'overseas-based' and your student loan will change

  • Interest is added to your loan.
  • You’ll need to manage your own payments.
  • They are not automatically deducted from your income.
  • The amount you owe each year is calculated by the size of your loan balance.
  • You'll need to make 2 repayments a year, generally due on 30 September and 31 March.
  • If you do not make the required payments, late-payment interest may be added to your loan balance.

Note: if you travel to and from New Zealand frequently and are overseas for more than 5 months within a 6-month period, you may still be considered ‘overseas-based’. Use the travel calculator in myIR to check when your status will change based on your overseas travel.

How to manage your loan while you’re overseas

  • Register for, or log in to, your myIR account. Your student loan account will show your loan balance. Select 'View loan breakdown' and add the dates you would like to view transactions for a particular period of time.
  • If you're travelling to or from New Zealand, use the 'Calculate your interest status' calculator in myIR to check if your student loan will change and the date the changes will apply.
  • Make a payment through the method that works best for you (including fee-free payments through myIR or money transfer companies on our website). Many people find it’s best to set up small, regular repayments throughout the year.
  • If you have any questions about your loan, you can send us a message in myIR or see below for other ways to contact us.


Work out if your student loan will change when you're overseas


What happens to my student loan when I go overseas


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