Cass, my Plan B - depending on how they handle the interest rate - is to roll it into my home loan. I figure I've got an extra 5-10 years of working life ahead of me to pay it off now that they're making those super/retirement changes .

FWIW this is one of those areas where women in this country really don't have a voice at all. WOMEN are far more likely to wear the negative consequences of these policy changes due to the way we take time away from work for child-raising, slower career & salary progression, etc. I want to see the HECS outstanding debt figures divided into meaningful demographic splits like age, gender and age AND gender, and then the real story of why the debts aren't being repaid will be revealed...