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Changes to the myIR login screen are coming You will not be able to use myIR between 1pm Saturday 8 October and 8am Monday 10 October. This is so we can update our external authentication system. From Monday 10 October the myIR login page will have a new look and feel, but the login process will not change.

Cost of Living Payment Eligible customers will have the payment automatically paid into their bank accounts by the end of the day 3 October 2022. The payments will be staggered and Credit Union customers may not receive their payment until 4 October 2022. Cost-of-Living-Payment

If you have a serious illness, injury or disability and you are unable to make your overseas-based repayments, you may be able to keep your student loan interest-free. Your repayments can also be based on your income, rather than the overseas-based repayment formula. The illness, injury or disability must mean one of the following. 

  • You are not able to engage in paid work, other than work for a token payment or very low wage.
  • It poses a serious and imminent risk of death. 

This applies to interest and student loan repayments from 1 April 2020 onwards. To apply for your student loan to be interest-free, you will need to send us:

  • a medical certificate or letter from a doctor confirming your illness, injury or disability and how it affects your ability to work
  • proof of your income if you're currently earning, for example, wages or a benefit
  • your bank account details.

You can send this information to us when you apply in myIR or by post.

We may ask for more financial details if you have not already provided them. We can walk you through this once you apply.

Apply to keep my student loan interest-free overseas

Last updated: 28 Apr 2021
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