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Complete the IR1228 form if you have a student loan and:

  • are an overseas-based borrower
  • are struggling to make your repayments
  • want to negotiate the amount for the current year.

Before you start

You will need:

  • your IRD number
  • your date of departure from New Zealand
  • details of your income, assets and liabilities.

Download the IR1228 form

Fill in the form

Give us as much information as you can. This helps us to process your application faster.

Send the form to us

Print, sign and send the completed form to us either:

  • in myIR, attached to a message (you do not need to sign the form if you send it this way)
  • by email to [email protected]
  • by post to
    Inland Revenue
    PO Box 39050
    Wellington Mail Centre
    Lower Hutt 5045
    New Zealand

Log in to myIR

What happens next

We'll assess your situation and let you know your options.

Last updated: 07 Aug 2025
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