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Speaker 1: My name is Lily Maddon and I'm a proud Arunda

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Speaker 1: Bunjelung Calcotin woman from Gadighl Country. The Daily oz acknowledges

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Speaker 1: that this podcast is recorded on the lands of the

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Speaker 1: Gadighl people and pays respect to all Aboriginal and Torres

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Speaker 1: Strait Island and nations. We pay our respects to the

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Speaker 1: first peoples of these countries, both past and present.

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Speaker 2: Good morning and welcome to the Daily os. Happy Friday,

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Speaker 2: It's the fifth of May. I'm Sam, I'm Zarah. The

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Speaker 2: Australian Taxation Office confirmed this week that student loans are

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Speaker 2: set to increase by seven point one percent because of indexation.

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Speaker 2: We pulled the TDA audience and found that ninety percent

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Speaker 2: of respondents thought this wasn't fair. As a healthcare professional,

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Speaker 2: he'll just find that these hex deaths just feel insulting,

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Speaker 2: particularly after the past few years we've gone through. It'll

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Speaker 2: be the largest increase in decades, and we've had a

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Speaker 2: lot of questions from our audience, so we're going to

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Speaker 2: do our best to answer them. In today's day, the

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Speaker 2: first Hora what's making headlines this morning.

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Speaker 3: Hcare workers will be given a fifteen percent pay increase

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Speaker 3: from July. That was an announcement from the Federal government yesterday.

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Speaker 3: It's expected to cost eleven point three billion dollars over

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Speaker 3: four years, with the measure to be included as part

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Speaker 3: of the federal budget on Tuesday. H K Minister Anika

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Speaker 3: Wells called the announcement a deserved pay rise for an

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Speaker 3: undervalued workforce.

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Speaker 2: King Charles would be pacing the halls of Westminster Abbey

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Speaker 2: at the moment because his coronation is taking place tomorrow

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Speaker 2: in London. Over two thousand guests are expected to be

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Speaker 2: in attendance for the formal recognition of Charles's succession as

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Speaker 2: the head of the Commonwealth, including an Australian delegation led

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Speaker 2: by Prime Minister Anthony Albanesi.

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Speaker 3: And it's not just Polly's who are going to be

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Speaker 3: representing Australia. We're also expecting Sam Kerr to be the flag.

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Speaker 2: Bearer the coronation ceremony expected to begin at eight PM

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Speaker 2: Australian Eastern Standard time.

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Speaker 3: Google has begun rolling out a pass key system that

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Speaker 3: they say is a major step to delivering a password

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Speaker 3: list that is a web and behalf. Future pastkeys will

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Speaker 3: allow users to sign into apps and websites with their fingerprint,

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Speaker 3: face scan or the pin news to unlock their phone.

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Speaker 3: Saimed at removing the need for passwords, and is now

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Speaker 3: available as an option on personal Google accounts.

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Speaker 2: As they say, Zara, you can't forget your face. And

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Speaker 2: today's good news. A trial of a new drug to

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Speaker 2: treat Alzheimer's found it slowed the disease by thirty five

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Speaker 2: percent when compared to participants taking a placebo treatment. The

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Speaker 2: study enrolled people with early symptoms of Alzheimer's, with pharmaceutical

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Speaker 2: company Eli Lilly saying the treatment significantly slowed cognitive and

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Speaker 2: functional decline. It was almost a year ago when I

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Speaker 2: looked up my hextet live on this podcast. So I'm

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Speaker 2: just logging on now to the ATO through the MyGov

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Speaker 2: system and it has gone up. My god, it actually

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Speaker 2: has gone up. Little did I know though, what was

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Speaker 2: coming this year isz Aarah.

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Speaker 3: I mean, it's safe to say that nobody expected the

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Speaker 3: increase that we have seen announced this week. But before

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Speaker 3: we do get to indexation and how much everybody's loans

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Speaker 3: are about to go up, and when I do think

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Speaker 3: that we need to take a step back, and I

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Speaker 3: think that a good point to start is actually just

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Speaker 3: explaining what HEX is, what we're actually talking about when

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Speaker 3: we refer to a HEX loan.

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Speaker 2: So HEX is actually short for Hex's Help, and it's

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Speaker 2: one type of student loan. But there are some others

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Speaker 2: which are paid back to the government in the same way.

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Speaker 2: So there's HEX loans, Fee Help and vets study loans,

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Speaker 2: and these are all examples of what's called an income

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Speaker 2: contingent loan. And all that means is that how much

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Speaker 2: you pay back each year is totally dependent on how

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Speaker 2: much you are earning in that period. Now, you only

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Speaker 2: start paying back your loan if and when you earn

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Speaker 2: more than forty eight thousand, three hundred and sixty one

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Speaker 2: dollars a year, but that amount itself is adjusted over time. Now,

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Speaker 2: if you earn more than that amount, you pay back

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Speaker 2: between one and ten percent of your income per year.

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Speaker 2: The higher owners amongst us pay closer to ten percent,

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Speaker 2: and the lower earners pay closer to one percent.

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Speaker 4: So I think, and then this might just mean me.

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Speaker 3: But one of the really confusing things about HEX and

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Speaker 3: these other student loans is that we're always told that

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Speaker 3: their interest free. That is the big cell, and yet

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Speaker 3: here we are talking about hex debts rising.

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Speaker 2: Well, they are interest free, right. And to put that

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Speaker 2: into context, the way that loans typically work if you

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Speaker 2: go to a bank is that they charge you interest

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Speaker 2: and that's how the bank profits on loaning you that money.

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Speaker 2: But when the government provides these student loans, you aren't

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Speaker 2: being charged any interest. The catches though, that the loans

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Speaker 2: are indexed.

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Speaker 3: Okay, So index indexation talk me through what does it mean.

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Speaker 2: All it means is it's an adjustment of value. It's

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Speaker 2: basically the government's way of saying the value of your

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Speaker 2: loan was a certain amount five or ten years ago,

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Speaker 2: but actually the value of money has changed a lot

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Speaker 2: since then, so we're going to adjust your loan to

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Speaker 2: reflect that. To break it down to the most simple terms,

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Speaker 2: think back to when you were doing the course that

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Speaker 2: you paid for or you're paying for now with your

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Speaker 2: student loan. Do you remember how much you're paying for

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Speaker 2: a coffee on campus when you were studying.

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Speaker 4: I think it was around the three point fifty mark.

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Speaker 2: Right, And I paid for your coffee yesterday and I

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Speaker 2: know it was five dollars. And that difference is because

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Speaker 2: prices have gone up due to inflation, and so when

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Speaker 2: the government reevaluates how much money you owe. Thems are

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Speaker 2: they're looking at the difference between what the money they

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Speaker 2: loaned you way back when could buy then versus what

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Speaker 2: it could by now, so much less coffee.

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Speaker 3: We definitely talked about inflation a lot on this podcast.

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Speaker 3: It's just not usually in relation to student debts because

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Speaker 3: that is a very specific area. So can you talk

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Speaker 3: to me about how those two ideas are now kind

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Speaker 3: of intersecting?

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Speaker 4: Why are we talking about it this week?

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Speaker 2: So the last time we talked about hextet on this podcast,

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Speaker 2: when I looked up my hextet live on air, student

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Speaker 2: loans were being increased by three point nine percent due

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Speaker 2: to indexation, and at the time you and I were

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Speaker 2: saying that we felt like that was a lot silly us. No,

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Speaker 2: I know, we weren't to know what was to come.

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Speaker 2: Because this week the Australian Taxation Offers confirms that this

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Speaker 2: year student loans would go up by seven point one percent.

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Speaker 2: And of course, in the context of those high inflation

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Speaker 2: rates we've spoken about a lot on the podcast. That

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Speaker 2: makes sense. Inflation was seven percent in the year from

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Speaker 2: March twenty two to March twenty three.

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Speaker 3: Okay, so then what happens from here with HEX? We

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Speaker 3: know that it's going up seven point one percent, that's

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Speaker 3: on the first of June.

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Speaker 2: What then, So maybe I'll split this bit into two

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Speaker 2: different sections. First off, the compulsory repayments that I mentioned earlier,

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Speaker 2: for people who earn above that amount of forty eighty

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Speaker 2: three hundred and sixty one, those repayments would most likely

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Speaker 2: have been taken out of your paychecks already, just like

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Speaker 2: your tax. But the bad news here is that even

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Speaker 2: though you may have already been paying down your HEX

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Speaker 2: through the year in that way via your employer, that

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Speaker 2: actually won't be registered until you have finalized your tax return,

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Speaker 2: and that only happens after July one. Now, it's at

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Speaker 2: that point in the whole process that the ATO checks

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Speaker 2: how much you've paid, whether it's over or under, and

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Speaker 2: makes the relevant adjustments. That's your tax return, and only

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Speaker 2: then does it get struck off your HEX deet. Now

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Speaker 2: that is a bit annoying because the seven point one

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Speaker 2: percent indexation takes effect on June one, which is a

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Speaker 2: month earlier than you can do your tax return on

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Speaker 2: July one, And there has been a bit of frustration

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Speaker 2: from the TDA community about this.

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Speaker 5: Why doesn't the government apply our payments through our employer

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Speaker 5: to the amount before applying the index rate.

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Speaker 2: I think it's absurd that the end vexation is not

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Speaker 2: applied after other repayments, it's before, which means your compulsory

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Speaker 2: repayments over the last years sadly will only count after

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Speaker 2: your debt is revised upwards.

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Speaker 3: There are compulsory contributions, but then you can also make

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Speaker 3: voluntary contributions, right, We've had a lot of messages about this.

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Speaker 2: Well, this is that second part of the equation. It's

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Speaker 2: a great question, and you're not the only one to ask.

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Speaker 2: Sally from our audience had exactly the same question.

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Speaker 3: Hey, I wanted to know that if you make voluntary

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Speaker 3: HEX payments, does that immediately come off your balance or

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Speaker 3: does that also wait until tax time?

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Speaker 2: And actually, we had a lot of messages from people

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Speaker 2: asking about voluntary contributions. So here's the answer. When you

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Speaker 2: make a voluntary contribution, so you personally paying some extra

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Speaker 2: money off your HEX debt, that's processed as soon as

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Speaker 2: the ATO receives the funds. It doesn't wait until the

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Speaker 2: end of the financial year like your compulsory contributions coming

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Speaker 2: off your salary. So what all that means is that

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Speaker 2: if you do make a contribution voluntarily ahead of June one,

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Speaker 2: the amount you pay off won't be charged that seven

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Speaker 2: point one percent through indexation, provided the ATA receives it

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Speaker 2: in time.

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Speaker 3: Okay, so that all makes sense. But I'm sure there

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Speaker 3: are other questions that I haven't thought of that our

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Speaker 3: audience has thought of.

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Speaker 4: So what else did people ask?

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Speaker 2: Well, we got this question from Tyler.

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Speaker 5: Hi, my name is Tyler and I am from the

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Speaker 5: Northern Territory. I was just wanting to ask what the

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Speaker 5: difference would be to HEX indexation if we were to

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Speaker 5: have a look at using like the wage price index.

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Speaker 2: So I'll just break down what Tyler means there. If

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Speaker 2: you're not sure when you index something, you can choose

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Speaker 2: what that's linked to. Now, in the case of HEX,

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Speaker 2: the government has chosen to index to what's called the

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Speaker 2: CPI or consumer Price Index, and basically all that is

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Speaker 2: is a fancy way of saying inflation, which I was

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Speaker 2: explaining about before. But let's say the government chose something

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Speaker 2: different to index HEX two, like wages, then you'd have

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Speaker 2: a very different index because wages were only up three

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Speaker 2: point three percent last year. So in other words, if

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Speaker 2: HEXTET was indexed by wages, student loans would be rising

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Speaker 2: more slowly in line with our incomes as opposed to

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Speaker 2: the cost of living. Now, there are some cases where

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Speaker 2: the government uses a mixture of those two indexes. For example,

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Speaker 2: the way the pension payment is indexed looks at both

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Speaker 2: inflation and wage growth together.

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Speaker 3: A lot of the conversations that I've had with friends

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Speaker 3: and with my partners about whether or not to make

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Speaker 3: voluntary contributions ahead of that June deadline, that does seem

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Speaker 3: to be a big topic of conversation.

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Speaker 2: It is, and where in the unique position as the

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Speaker 2: news where it's not our place to say and give

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Speaker 2: any financial advice to listeners. But what I will say

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Speaker 2: is that if you haven't checked your hex now is

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Speaker 2: the time to have a look. So the way to

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Speaker 2: check your HEXTET is by jumping onto the ATO portal

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Speaker 2: on my gov and that's where you get a little

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Speaker 2: tab that says how much you still owe and you

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Speaker 2: can calculate what a seven point one percent increase on

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Speaker 2: that amount is going to mean for you. Now, for

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Speaker 2: some people it might not be a huge amount of money,

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Speaker 2: For others, it will be substantial. But I think the

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Speaker 2: thing to keep in perspective amongst all of this is

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Speaker 2: that the amount you're paying out of your salary in

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Speaker 2: the form of compulsory contributions to lower your hextat isn't

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Speaker 2: going to change unless your income changes.

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Speaker 3: You're right, Sam, and I mean on that point of perspective,

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Speaker 3: I do think it's worth pointing out that in this

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Speaker 3: episode we have highlighted the anecdotal evidence and the perspective

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Speaker 3: of young people and the pain that they are feeling

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Speaker 3: after the announcement of that seven point one percent increase.

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Speaker 3: But on the flip side, as with every issue, there

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Speaker 3: is the government who we expect to fund certain measures

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Speaker 3: in our society and to need funds in order to

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Speaker 3: do so, and so from the voice notes today, we

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Speaker 3: can sense that there is anger within the community. But

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Speaker 3: I think that it's also important to understand the perspective

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Speaker 3: of the government, and so it would be interesting, perhaps

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Speaker 3: in a post budget world, for us to put these

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Speaker 3: things to the Treasurer next time we sit down.

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Speaker 4: With him and see what the government says.

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Speaker 2: Thanks for joining us on the Daily OZ. How have

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Speaker 2: you been feeling about the podcast this week? I know

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Speaker 2: Zara and I've loved delivering some really interesting conversations this week,

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Speaker 2: and we would equally love if you could give us

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Speaker 2: a rating and review on whatever app you've got opened

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Speaker 2: right now. It helps new people find us and join

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Speaker 2: the TDA community. Have a beautiful weekend.