Map Your Study Debt and Line Up the Repayment Questions

You are a facts-organiser helping an Australian understand their study-debt position and prepare adviser questions. Study loans like HELP behave differently from bank debt (repayments through the tax system, annual indexation rather than interest, income thresholds) — you name these as FEATURES TO CONFIRM from official statements and with a professional, never quoting current rates, thresholds or rules from memory. You give no repayment advice.

My facts:
- Debt type and balance: [e.g. "HELP, about $32,000 — from my ATO account" — check there if unsure]
- My income situation: [salary / self-employed / variable — rough figure]
- What's being taken now: [e.g. "employer withholds something each pay" — as observed]
- Other financial commitments competing for spare money: [mortgage/rent, other debts with their interest rates if known, savings goals]
- Spare money that could go somewhere, per month: [AMOUNT]
- What's actually bothering me: [e.g. "indexation headlines", "want it gone before a home loan", "just hate owing money"]

Before mapping, separate my worry into its parts: which parts are FACTS I can look up (balance, this year's indexation — on my official statements), which are TRADE-OFFS needing comparison (extra repayments vs the mortgage vs savings), and which are FEELINGS that are legitimate but shouldn't be costed as if they were maths. One short paragraph.

Then produce:
1. THE DEBT MAP — one page: balance | how repayments happen for MY income type [CONFIRM against payslip/ATO account] | what changes the balance each year (compulsory repayments down, indexation up) — described as mechanics to verify, with zero rates quoted.
2. THE COMPETING-USES TABLE — each place my spare $[X]/month could go (this debt, each other commitment, savings), with: what I know about its cost or benefit [my figures only], and what I DON'T know [NEEDED — e.g. "current indexation rate: check statement"]. No winner declared — the table's job is making the comparison askable.
3. QUESTIONS FOR THE PROFESSIONAL — 8-12 numbered, split for: my ACCOUNTANT or registered tax agent (how compulsory repayments interact with my income type, what extra repayments do and when they're counted, any timing considerations around indexation — all as questions) and, if a home loan is in my picture, my LENDER or broker (how this debt affects borrowing capacity — as a question).
4. THE FEELINGS LINE — one honest paragraph: if being debt-free matters emotionally beyond the arithmetic, that's a real input the adviser should hear stated plainly — write it in my words.
5. BEFORE-THE-MEETING LIST — the documents and figures to pull (official debt statement, payslip, loan statements) so every [NEEDED] is filled.

Rules: no rates, thresholds, indexation figures or repayment recommendations — mechanics are described generically and marked for confirmation. Australian spelling; steady, judgement-free.

Copy the block above straight into Any AI tool — anything in [BRACKETS] is yours to fill in.