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Yes you right, sorry I'm not aware of your HELP debt..

On top of Terry's advise.. If I were you, i will compare which one is my 'biggest non-deductable loan' and start paying it off. Eg. I will pay HECS first, then car/personal finance. From there I will put into the offset(buffer) against home loan. Combine with I/O loan is best if you plan to...