She's On The Money Does Your HECS debt Really Matter? How to Set Money Boundaries at Work
Feb 19, 2026
They unpack the HECS regret spiral and whether that student debt really derails home buying. They explain what lenders care about and when paying extra on HECS is practical versus anxiety-driven. They tackle a workplace money dilemma about repeated unpaid lunch shouts and how to set clear financial boundaries with colleagues. Plus quick community money wins and cheap everyday hacks.
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HECS Causes Anxiety, Not Always Financial Harm
- HECS/HELP debt causes big emotional stress despite being low-risk compared with other debts.
- Victoria and Jessica emphasise reframing HECS as an income-contingent, non-transferable liability that often isn't worth prioritising over other goals.
HECS Won't Burden Your Estate Or Family
- HECS debt is income-contingent and will not pass to your estate when you die.
- That structural feature makes HECS relatively low-risk compared with private loans or credit cards.
Talk To A Mortgage Broker Before Extra HECS Repayments
- Do consider chipping away at HECS if it reduces your anxiety or helps mortgage serviceability for a home loan.
- Talk to a mortgage broker first because reducing HECS may or may not improve your borrowing position.