Make a payment
Calendars and important dates Ngā maramataka me ngā rā hira

Student loan repayments due for overseas-based borrowers
31 March

If you're based overseas and not taking a repayment holiday you must make two repayments each year towards your student loan.

These payments are generally due on 30 September and 31 March

Paying on time means you will avoid late payment interest (formerly late payment penalties).

If you have a different due date for some reason this will be shown on your Overseas based obligation notice. This could be because your repayment holiday has ended, or we've assessed you after the standard due date.

As an overseas-based borrower, your repayment obligation is generally based on your loan balance as at 31 March plus the annual administration fee.

Find answers to these common questions


Interest is accruing on your loan while you're overseas. The current interest rate is 4.0%. Interest is calculated daily and added back to your loan (compounded) annually.


Find out more about repayment obligations for overseas-based borrowers

You can check your total loan balance online at any time by logging into your myIR Secure Online Services account. Once you're logged in, you can access your account, see your current loan balance, repayments, interest charges and/or write-offs.