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If you have been living in Niue, Cook Islands, Tokelau, or Ross Dependency for at least 6 months you may be able to keep your student loan interest free. To apply, you need to:

  • have met your repayment obligations on time
  • send us your worldwide income information.

You can apply for past years back to 1 April 2009. When applying for past years, you will also need to give us your worldwide income and travel dates for those tax years.

Applying to keep your student loan interest free

There are 3 ways to apply to keep your loan interest free while in a realm country.

Letter from Customs

You can send us a letter from Customs in Niue, Cook Islands, Tokelau, or Ross Dependency to show all your travel over the period you're applying for.

Letter from an employer

You can send us a letter from an employer that has all the following information on it:

  • you are/were their employee
  • the date you started your employment
  • the date you ended your employment (if applicable)
  • any dates you may have been away from work
  • your gross income (annually if applicable)
  • your employer’s contact details.

Complete an IR1231

You can complete and send us an Overseas interest free-realm countries – IR1231 application. To complete this application you’ll need:

  • the time period you’re applying for
  • your travel information
  • an employer to complete your employment information on the back page.

If your application is approved

If we approve your application your student loan will be interest free for the approved time period(s). Your repayment obligations will be based on your worldwide income and must be paid by the due date.

Apply to keep my student loan interest free

Last updated: 07 Dec 2020
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