You can apply for a student loan through StudyLink. If you have a loan and either earn over $19,760 or live overseas you have to start paying what you’ve borrowed back to us. You will also need to pay any interest, penalties or fees that are added to your loan.
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Repaying my student loan
If you live in New Zealand, how you repay your student loan will depend on what type of income you receive.
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Managing my student loan
It is important to manage your student loan well. Keep on top of your repayments and let us know when your situation changes to avoid penalties.
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What happens to my student loan when I go overseas
If you leave New Zealand for more than 183 days your loan will stop being interest free.
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When can I keep my student loan interest free overseas
You may be able to keep your student loan interest free depending on the reason you are overseas.
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Rights and responsibilities for student loan borrowers
Learn what your rights and responsibilities are when you have a student loan.
