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Going overseas

If you're outside of New Zealand for around 5 out of 6 months, you might become overseas-based. If you're overseas-based:

  • interest will be applied to your student loan from the day after you left New Zealand
  • your loan repayments will be based on the size of your loan balance at the end of the New Zealand tax year (31 March). If your loan balance goes up, your repayments may go up. However, if your balance goes down, your repayments will not. 

Returning to New Zealand

If you return to New Zealand and stay for around 5 out of 6 months, you might become New Zealand-based. If you're New Zealand-based, your student loan:

  • is interest-free from the date you returned to New Zealand
  • repayments are based on how much you earn.
Last updated: 31 Jan 2024
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