Free one-page guide

HECS-HELP, in plain English

Your balance and your repayments run on different clocks. Here's how both work.

In plain English, on one page.

What's inside

  • Why the balance can go up
  • How repayments come out of pay
  • What changed in 2025, and this year's numbers

Free · one step

Where should I send it?

Free. One page, about three minutes to read. Then Field Notes, one letter a week: an idea from the system that shapes your money, in plain English. Unsubscribe any time. Privacy policy

Education only. Not financial advice.

What this is

General financial education. It explains how something works and gives you the words to ask about it. It does not consider your objectives, financial situation or needs, and it names no product, no bank, no fund and no platform. Her Long Game takes no commission from financial products.

Written by Tamara Bonamy, who built Her Long Game after a decade in insurance, most of it leading teams, and a lot of it watching capable women be handed no explanation of any of this.

Her Long Game is a financial education course for Australian women, in the making. If you want to hear when the founding cohort opens, that is a different list.