Topic

Higher education

This page contains different parts of laws about Higher education, within the topic of Education and learning.

Related Plain Language Law

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Scheme's approval ends when the person in charge is told about it

59: Approval is withdrawn from date person responsible for scheme is notified

Local Government (Rating) Act 2002

The Minister's report on how councils charge schools and other educational places rates, like sewage fees.

26: Report of Ministerial review of rating practice in relation to educational establishments

Immigration Act 2009

Permanent resident visa holders can live, work, and study in New Zealand indefinitely

73: Currency and nature of permanent resident visa

Immigration Act 2009

Immigration officers can check education providers' records to ensure visa compliance

278: Powers of entry and inspection relating to records of education providers

Immigration Act 2009

Rules for education providers about who can study at their institution

352: Offences by education providers

Immigration Act 2009

Fines for education providers who break immigration rules

358: Penalties: education providers

Income Tax Act 2007

Tax rules for scholarships and student grants

CW 36: Scholarships and bursaries

Income Tax Act 2007

Tax credits available for dependent 18-year-olds in education

MC 9: Credits for person aged 18

Income Tax Act 2007

Rules for accessing money in retirement savings schemes

RH 3: Retirement savings schemes

Income Tax Act 2007

Tax exemption for tertiary education institutions and their subsidiaries

CW 55BA: Tertiary education institutions and subsidiaries

Corrections Act 2004

Sharing prisoner information to help with benefits and payments

180: Purpose of section 180A

Student Loan Scheme Act 2011

Tax office can take extra money from your pay to fix student loan mistakes

49: Commissioner must issue additional deduction rate notice to obtain Commissioner deductions

Student Loan Scheme Act 2011

Help if you're struggling to pay back your student loan

147: Hardship relief for any tax year

Student Loan Scheme Act 2011

You can't ask to lower your student loan payments anymore

101: Borrower may apply for reduction of deduction rate to reflect lower repayment obligation

Student Loan Scheme Act 2011

Asking to use leftover repayment limit for your second job's earnings

42: Application for unused repayment threshold to be allocated to secondary employment earnings

Student Loan Scheme Act 2011

Managing education loans and setting up fair repayment rules

Student Loan Scheme Act 2011

This law is about student loans and is called the Student Loan Scheme Act 2011

1: Title

Student Loan Scheme Act 2011

When the different parts of the student loan law start working

2: Commencement

Student Loan Scheme Act 2011

Getting started with student loans: How they work and where you live matters

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This law explains why we have student loans and how they work

3: Purposes

Student Loan Scheme Act 2011

Words used in the student loan rules and what they mean

4: Interpretation

Student Loan Scheme Act 2011

This law explains who needs to pay back student loans and when

6: Application of Act

Student Loan Scheme Act 2011

This law explains how bonded scholarships are treated like student loans if you break the rules

7: Application of Act to bonded scholarships

Student Loan Scheme Act 2011

The government must follow the student loan rules too

8: Act binds the Crown

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Why the law lets people share information about student loans

9: Purposes of sections 10, 11, 16, and 17

Student Loan Scheme Act 2011

Student loan manager tells tax office about loan requests

10: Loan manager must notify Commissioner of persons who apply for student loan

Student Loan Scheme Act 2011

Loan company tells tax office about student borrowers

16: Loan manager must notify Commissioner of borrower's details

Student Loan Scheme Act 2011

Inland Revenue tells you how much you owe on your student loan

19: Commissioner must inform borrowers about consolidated loan balance

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Explains when you're based in New Zealand or overseas for your student loan

21: Overview of being New Zealand-based or overseas-based

Student Loan Scheme Act 2011

What it means to be based in New Zealand for student loans

22: Meaning of New Zealand-based

Student Loan Scheme Act 2011

When the law thinks you live outside New Zealand

23: Meaning of overseas-based

Student Loan Scheme Act 2011

How part-days in New Zealand count for student loans

24: Treatment of partial days

Student Loan Scheme Act 2011

Some people with student loans can be seen as if they're in New Zealand even when they're not

Student Loan Scheme Act 2011

Borrowers abroad might be treated as if they're in New Zealand for their student loans

25: Commissioner may treat certain borrowers as being physically in New Zealand

Student Loan Scheme Act 2011

How to ask to be treated as if you're in New Zealand for your student loan

26: Method of making application and provision of evidence and information

Student Loan Scheme Act 2011

Student loan boss tells you when you're treated as being in NZ

27: Commissioner must notify borrower and specify period or conditions when granting application

Student Loan Scheme Act 2011

You must tell the government when you leave or come back to New Zealand

Student Loan Scheme Act 2011

Tell the government if you'll be away from New Zealand for a long time

28: Borrower to notify Commissioner of absence from New Zealand of 184 or more days

Student Loan Scheme Act 2011

Tell the government when you return to New Zealand for more than 6 months

29: Borrower to notify Commissioner of return to New Zealand of more than 183 days

Student Loan Scheme Act 2011

How you pay back your student loan if you're in New Zealand or overseas

Student Loan Scheme Act 2011

You must repay the money you borrowed for your student loan

30: Borrower's liability to repay consolidated loan balance

Student Loan Scheme Act 2011

Different loan repayment rules for people living in New Zealand and overseas

31: Repayment obligations that apply to New Zealand-based borrowers and overseas-based borrowers

Student Loan Scheme Act 2011

How the law applies to you based on your income sources

32: Interrelationship between subparts 1 and 2

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Rules for repaying student loans if you work in New Zealand

33: Application of this subpart

Student Loan Scheme Act 2011

Rules about how to pay back student loans

Student Loan Scheme Act 2011

Rules for taking student loan payments from your work pay in New Zealand

34: Repayment codes for New Zealand-based borrowers who derive salary or wages

Student Loan Scheme Act 2011

Tell your boss about your student loan when you start work

35: Borrowers with SL repayment code must notify employers

Student Loan Scheme Act 2011

Money taken from your pay to repay your student loan

Student Loan Scheme Act 2011

Bosses take out student loan money from your pay

36: Employer or PAYE intermediary must make standard deductions from salary or wages

Student Loan Scheme Act 2011

How much money your work takes from your pay to help pay back your student loan

37: Deduction rates that apply to standard deductions from salary or wages

Student Loan Scheme Act 2011

Special rules for taking student loan payments from your main benefit

40: Deductions from main benefits

Student Loan Scheme Act 2011

You might be able to use extra money from your main job to help pay off your student loan from your second job.

Student Loan Scheme Act 2011

Words that explain when you need to start paying back your student loan

41: Definitions relating to repayment thresholds

Student Loan Scheme Act 2011

How to guess your income for three months

43: Determining estimated salary or wages

Student Loan Scheme Act 2011

How to work out the leftover money you can earn before paying back your student loan

44: Calculating borrower's unused repayment threshold for pay period

Student Loan Scheme Act 2011

Getting a special certificate to use your leftover repayment threshold for your second job

45: Special deduction rate certificate for unused repayment threshold

Student Loan Scheme Act 2011

The government can give you a special paper that changes how much money is taken from your pay

46: Issue and application of special deduction rate certificate

Student Loan Scheme Act 2011

Keep checking and telling the government about changes to your loan and work

47: Ongoing obligations of borrower to review and notify

Student Loan Scheme Act 2011

When your special student loan repayment rate ends

48: Time when special deduction rate ceases to apply

Student Loan Scheme Act 2011

The government can take money you owe from your pay

Student Loan Scheme Act 2011

How the government tells you and your employer about taking more money from your pay for your student loan

50: Procedures for issue of additional deduction rate notice

Student Loan Scheme Act 2011

Ways to collect money that borrowers still owe

Student Loan Scheme Act 2011

Checking if the right amount was taken from your pay for your student loan

51: Assessment of standard deductions that ought to have been made

Student Loan Scheme Act 2011

How the government checks and tells you about your student loan payments

52: Recovery of assessed amounts

Student Loan Scheme Act 2011

Students who study full-time don't have to make regular loan payments

Student Loan Scheme Act 2011

Telling the government you don't want money taken out of your pay for your student loan

55: Declaration by eligible borrowers for exemption from standard deductions

Student Loan Scheme Act 2011

What happens when you tell the government about your student loan payments

56: Notice from Commissioner

Student Loan Scheme Act 2011

What happens when you don't need student loan money taken from your pay

57: Consequences of exemption from standard deductions

Student Loan Scheme Act 2011

You can change your mind about not paying your student loan from your pay

58: Withdrawal of declaration

Student Loan Scheme Act 2011

Tell IRD and your boss if something changes with your student loan

59: Notice of change of circumstances

Student Loan Scheme Act 2011

When you can't be exempt from student loan deductions anymore

60: When exemption from standard deductions ceases to apply

Student Loan Scheme Act 2011

What borrowers need to know and decide about paying back their loans

Student Loan Scheme Act 2011

Employers must share details about student loan money taken from pay

61: Information to show salary or wage deductions made

Student Loan Scheme Act 2011

Commissioner helps decide how much to take from your pay for student loans

62: Commissioner must determine question about amount of salary or wage deductions

Student Loan Scheme Act 2011

When regular payments are too high or too low

Student Loan Scheme Act 2011

The Student Loan Boss decides when mistakes in repayments are big enough to worry about

63: Commissioner determines what is significant under-deduction or significant over-deduction

Student Loan Scheme Act 2011

Money taken from your pay for student loans is final unless there's a big mistake

64: Standard deductions are full and final unless significant error

Student Loan Scheme Act 2011

What to do if you think too much money was taken for your student loan

65: Significant over-deduction identified by borrower

Student Loan Scheme Act 2011

The government checks if they took too much money for your student loan

66: Commissioner must determine whether significant over-deduction made

Student Loan Scheme Act 2011

What happens if not enough money is taken from your pay for your student loan

68: Applicable procedures if significant under-deduction

Student Loan Scheme Act 2011

General rules about taking money from your pay for student loans

Student Loan Scheme Act 2011

The government can stop you from changing your loan payments if they think you're not being fair

69: Prohibition on applications or declarations to maintain integrity of student loan scheme

Student Loan Scheme Act 2011

Rules for taking money from your pay for student loans

70: PAYE rules apply to salary or wage deductions

Student Loan Scheme Act 2011

Extra money taken from your pay to repay your student loan

71: Salary or wage deductions in addition to income tax withheld

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This part explains who needs to repay student loans

72: Application of this subpart

Student Loan Scheme Act 2011

Explaining how your income is calculated for student loan repayments

73: Meaning of adjusted net income, Schedule 3 adjustments, and related terms

Student Loan Scheme Act 2011

Telling the government about changes to your income for your student loan

74: Notification of Schedule 3 adjustments

Student Loan Scheme Act 2011

You can ask for more time to tell about changes to your student loan repayments

75: Extension of time for notification of Schedule 3 adjustments

Student Loan Scheme Act 2011

The government calculates how much you owe for your student loan each year

76: Commissioner to assess borrower's end-of-year repayment obligation

Student Loan Scheme Act 2011

How to work out your student loan repayment when you earn less than a set amount

77: Calculation of borrower's end-of-year repayment obligation if salary or wages less than annual repayment threshold

Student Loan Scheme Act 2011

How the government works out how much of your student loan you need to pay back each year if you earn enough money

78: Calculation of borrower's end-of-year repayment obligation where salary or wages equal to or more than annual repayment threshold

Student Loan Scheme Act 2011

Pay your final student loan bill for the year

79: Payment of end-of-year repayment obligation

Student Loan Scheme Act 2011

Figuring out your final student loan payment for the year

80: Calculation of terminal payment for tax year

Student Loan Scheme Act 2011

When you need to pay the last bit of your student loan

81: Due date for terminal payment

Student Loan Scheme Act 2011

When you need to pay parts of your student loan during the year

84: Due dates for payment of interim payments

Student Loan Scheme Act 2011

The Commissioner can change when you pay your student loan

85: Commissioner's powers in relation to due dates

Student Loan Scheme Act 2011

Student loan interim payments follow the same rules as tax payments

86: Interim payments to be paid in same manner as provisional tax

Student Loan Scheme Act 2011

What happens if you don't pay back your student loan on time

87: Consequence of failure to meet repayment obligations

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This part of the law was removed and doesn't apply to student loans anymore

88: Application of this subpart

Student Loan Scheme Act 2011

Figuring out how much you need to pay back for money you made outside of work

Student Loan Scheme Act 2011

The tax office used to figure out how much you owe on your student loan, but they don't do that anymore.

89: Commissioner to assess borrower's other income repayment obligation

Student Loan Scheme Act 2011

How to figure out how much you need to repay for other types of income

Student Loan Scheme Act 2011

How we used to figure out loan repayments for people with low wages and other income

90: Calculation of borrower's other income repayment obligation where salary or wages below threshold

Student Loan Scheme Act 2011

Old rule for calculating extra student loan payments no longer applies

91: Calculation of borrower's other income repayment obligation where salary or wages equal to or above threshold

Student Loan Scheme Act 2011

Paying back money owed from other sources of income

Crown Entities Act 2004

How this law applies to colleges and universities in New Zealand

6: Application of this Act to tertiary education institutions

Crown Entities Act 2004

What is a Crown entity and what types are there in New Zealand?

7: Meaning of Crown entity and categories of Crown entities

Crown Entities Act 2004

The Governor-General can change some rules by adding or removing names from special lists.

9: Power to amend Schedules 1 and 2

Crown Entities Act 2004

Rules for tertiary education institutions under the Crown Entities Act 2004

Schedule 4: Application of Crown Entities Act 2004 to tertiary education institutions

Employment Relations Act 2000

The government decides which classes can teach people about work rights and laws.

72: Minister to approve employment relations education

Social Security Act 2018

When you're ready to start studying or training full-time

50: When person is study ready

Social Security Act 2018

Money help for 18-year-olds still in school

103: Provisions relating to children aged 18 years or over who continue education

Social Security Act 2018

Help for 18-19 year olds on a jobseeker benefit with a partner, to avoid long-term reliance on benefits

168: Young person aged 18 or 19 years, who is receiving jobseeker support as spouse or partner of person granted that benefit, or who is work-tested spouse or partner of specified beneficiary, and who is at significant risk of long-term welfare dependency

Social Security Act 2018

Help for young people to stay in school or find work instead of getting money from the government

365: Services to encourage young people to move to and remain in education, training, and employment

Residential Tenancies Act 1986

Special rules for places where only students live, with extra services and house rules

5B: Exempt student accommodation

Residential Tenancies Act 1986

Rules for ending student housing agreements when a student is no longer eligible to live there

53A: Special provisions for notice terminating certain student tenancies

About this project

What is this project?

This project is an experiment to take difficult language, and make it easier to read and understand for everyone.

How do we do this?

What's our process for taking the law and turning it into plain language?

Why is the law written like it is?

Laws are often hard to read. They use a lot of words and language we don't usually use when we talk.

Should we use AI for this?

What are the good and bad sides of using AI?

Is this information the actual law?

We hope that this information will help people understand New Zealand laws. But we think that it's important you talk to someone who understands the law well if you have questions or are worried about something.

You can talk to Community Law or Citizen's Advice Bureau about your rights.

Remember that AI can make mistakes, and just reading the law isn't enough to understand how it could be used in court.