Whether you SHOULD repay your HELP-HECS loan and the Best Ways to reduce your HELP-HECS loan This article is 2/2 of HELP-HECS. See http://nomoney.com.au/hecs101/ for part 1. I have spent time to try to make this as simple as possible (with a few diagrams, etc.). But I find that doing calculations makes me understand how things work better. So [...]