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Fees Free | If you are beginning study or work-based learning in 2025, you may be able to apply for Fees Free from early 2026. Fees Free

When you have a New Zealand student loan, the amount you need to pay to it each year depends on the annual repayment threshold, how much you earn and if you have any expenses to claim. Whether you need to pay amounts each pay, or in lump sums, depends on how you get your income.

Last updated: 14 Feb 2022
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