100 questions and answers Each item is a 4-option MCQ. Open a question, tap A–D. Green is correct, red is wrong. Original practice — not an official paper.
1. HELP debt is treated differently in bankruptcy from A) ATO-held HELP, which you can ignore after bankruptcy always B) HECS which deletes on graduation C) an ordinary credit-card bill D) a store card that is identical in law
Tap A, B, C or D.
Answer: C) an ordinary credit-card bill
Get licensed insolvency advice; do not assume a wipe.
2. If a provider closes, designated-provider / tuition-assurance rules A) can protect some students’ study or fees B) erase all HELP nationwide C) pay your rent D) grant PR
Tap A, B, C or D.
Answer: A) can protect some students’ study or fees
The Department names the arrangement.
3. Bridging study for some overseas-trained professionals may use A) HECS-HELP as a CSP automatically always B) FEE-HELP if the course is approved C) OS-HELP only D) SA-HELP as tuition
Tap A, B, C or D.
Answer: B) FEE-HELP if the course is approved
Check StudyAssist lists.
4. Repayment thresholds are A) published by the ATO each year B) secret C) the same as the UK Plan 5 threshold always D) set by universities weekly
Tap A, B, C or D.
Answer: A) published by the ATO each year
Do not reuse a 2020 figure as if it were current.
5. Last year’s repayment threshold is A) frozen in the Constitution B) not a guarantee of this year’s figure C) your compulsory repayment amount in dollars D) indexation
Tap A, B, C or D.
Answer: B) not a guarantee of this year’s figure
Wait for the ATO table.
6. HECS-HELP only works at A) approved higher-education providers B) any Facebook tutor C) every RTO automatically D) overseas universities with no Australian link
Tap A, B, C or D.
Answer: A) approved higher-education providers
The provider must be listed for that loan type.
7. Open Universities Australia units can still be HELP-eligible A) when the unit and provider are listed B) never C) only if you live in Canada D) only as OS-HELP
Tap A, B, C or D.
Answer: A) when the unit and provider are listed
Confirm before census.
8. An electronic Commonwealth Assistance Form (eCAF) is completed A) when you lodge in October only B) when you enrol and request HELP C) at a GP D) at Home Affairs as a visa
Tap A, B, C or D.
Answer: B) when you enrol and request HELP
Keep a copy of what you submitted.
9. Forum nicknames for loan types often lag; A) trust the oldest Reddit thread B) use UK SLC names as Australian law C) assume FAFSA rules D) check StudyAssist for the current product names
Tap A, B, C or D.
Answer: D) check StudyAssist for the current product names
FEE-HELP, HECS-HELP and VSL are easy to mix up.
10. Official rules for HECS-HELP in Australia come from A) the authority named on the current notice B) a forwarded WhatsApp list C) a sports commentary D) a restaurant menu
Tap A, B, C or D.
Answer: A) the authority named on the current notice
Always open the official PDF or site.
11. A practice page about HECS-HELP should A) promise a vacancy tomorrow B) copy a leaked paper C) hide the country name D) teach the stable map, not invent a form date
Tap A, B, C or D.
Answer: D) teach the stable map, not invent a form date
GKSchools does not invent cycles.
12. If two websites disagree about HECS-HELP in Australia, trust A) the louder influencer B) a screenshot with no URL C) the official commission, board, or ministry D) a 2014 blog comment
Tap A, B, C or D.
Answer: C) the official commission, board, or ministry
Check the domain.
13. Students search HECS-HELP because A) it is a high-intent local phrase in Australia B) it is a US state test only C) it is a Hindi-only quiz D) it is a cooking term
Tap A, B, C or D.
Answer: A) it is a high-intent local phrase in Australia
Keep answers in the language of the search.
14. The safest first click for HECS-HELP is A) the official explainer, then practice questions B) buying a random PDF first C) skipping eligibility D) ignoring the syllabus
Tap A, B, C or D.
Answer: A) the official explainer, then practice questions
Read the map, then tap to score.
15. Eligibility for HECS-HELP is decided by A) the published rules for that year B) a cousin’s memory C) a cinema ticket D) a weather app
Tap A, B, C or D.
Answer: A) the published rules for that year
Rules can change by notification.
16. A mock set on HECS-HELP is A) a leaked booklet B) a live scorecard C) original practice, not an official paper copy D) a visa stamp
Tap A, B, C or D.
Answer: C) original practice, not an official paper copy
Use it to learn the pattern.
17. When HECS-HELP uses a calculator rule, follow A) any phone app in the hall B) a smartwatch always C) the paper’s approved-calculator list D) sharing a friend’s device
Tap A, B, C or D.
Answer: C) the paper’s approved-calculator list
Invigilators check devices.
18. Negative marking on HECS-HELP, if any, is A) always −1 on every paper worldwide B) stated on that year’s instruction sheet C) never used anywhere D) the same as SAT always
Tap A, B, C or D.
Answer: B) stated on that year’s instruction sheet
Do not guess the penalty.
19. Subject choice for HECS-HELP should match A) only what a neighbour picked B) the shortest form C) a random code D) the course or career you want next
Tap A, B, C or D.
Answer: D) the course or career you want next
Wrong paper waste a year.
20. A resit or remark for HECS-HELP is A) a WhatsApp appeal B) an official process with a deadline C) automatic every year D) free forever
Tap A, B, C or D.
Answer: B) an official process with a deadline
Read the board’s remark page.
21. Past papers for HECS-HELP are useful when A) you attempt them timed, then check the mark scheme B) you only read the cover C) you memorise one year D) you skip the mark scheme
Tap A, B, C or D.
Answer: A) you attempt them timed, then check the mark scheme
Timing builds exam stamina.
22. Syllabus changes for HECS-HELP appear in A) the current specification or circular B) a 2010 textbook only C) a meme D) a taxi advert
Tap A, B, C or D.
Answer: A) the current specification or circular
Confirm the year on the PDF.
23. Access arrangements for HECS-HELP need A) a note written in the hall B) a parent phone call during the test C) an approved application before the paper D) nothing ever
Tap A, B, C or D.
Answer: C) an approved application before the paper
Apply early through the school or centre.
24. Results for HECS-HELP are released A) whenever a coaching centre guesses B) every Sunday C) only on social media D) on the date the official body publishes
Tap A, B, C or D.
Answer: D) on the date the official body publishes
Bookmark the results page.
25. Certificates for HECS-HELP are issued by A) the awarding body named on the paper B) a photocopy shop C) a blog D) FIFA
Tap A, B, C or D.
Answer: A) the awarding body named on the paper
Keep digital and paper copies.
26. If HECS-HELP is an eligibility test, passing it A) guarantees a posting next week B) replaces a degree always C) cancels other exams D) does not by itself give a job letter
Tap A, B, C or D.
Answer: D) does not by itself give a job letter
Recruitment is a later step.
27. If HECS-HELP is an entrance exam, a rank A) is a visa B) is a salary C) is used by colleges as they notify D) is a passport
Tap A, B, C or D.
Answer: C) is used by colleges as they notify
Admission lists are separate.
28. Fees for HECS-HELP must be paid A) to a personal UPI of a stranger B) in a parking lot C) only in cash to a tout D) on the official portal named in the notice
Tap A, B, C or D.
Answer: D) on the official portal named in the notice
Save the receipt.
29. Photo and ID rules for HECS-HELP are A) the same as a concert ticket B) printed on the admit card C) optional D) only for teachers
Tap A, B, C or D.
Answer: B) printed on the admit card
Carry the exact ID listed.
30. A name mismatch on HECS-HELP documents should be A) ignored B) fixed with correction fluid in the hall C) corrected through the official channel before the day D) posted on a group chat
Tap A, B, C or D.
Answer: C) corrected through the official channel before the day
Boards reject mismatched IDs.
31. Study time for HECS-HELP works better as A) one 12-hour cram once a year B) a daily short set you can finish C) only watching reels D) skipping weak topics forever
Tap A, B, C or D.
Answer: B) a daily short set you can finish
Come back tomorrow for a new order.
32. Current-affairs items mixed with HECS-HELP should be A) dated facts you can verify B) undated rumours C) invented summit hosts D) copied paywalled PDFs
Tap A, B, C or D.
Answer: A) dated facts you can verify
We rotate practice; we do not invent news.
33. Internal links from a HECS-HELP page should go to A) random shopping carts B) the country hub and related exams C) broken admin URLs D) login walls
Tap A, B, C or D.
Answer: B) the country hub and related exams
Students need the next tap.
34. Language of answers on this HECS-HELP page is A) Hindi only B) a mix that confuses crawlers C) English, because this desk is /en/ D) emoji only
Tap A, B, C or D.
Answer: C) English, because this desk is /en/
Hindi GK stays on the main site.
35. Group vs grade language on HECS-HELP must stay A) swapped for SEO B) copied from another country C) hidden D) as the official body writes it
Tap A, B, C or D.
Answer: D) as the official body writes it
UPSC Group A is not RBI Grade B.
36. A calculator-allowed paper for HECS-HELP still needs A) only the final number B) no units C) working shown where the mark scheme asks D) a photo of the screen
Tap A, B, C or D.
Answer: C) working shown where the mark scheme asks
Method marks exist.
37. Multiple-choice on HECS-HELP is scored from A) the option you whispered B) all four options C) the option you lock D) the question number
Tap A, B, C or D.
Answer: C) the option you lock
Tap once; green is correct, red is wrong.
38. A “today’s 5” strip on HECS-HELP is A) breaking news from a newsroom B) a live official paper C) a paid leak D) a daily rotate of the same 100-question bank
Tap A, B, C or D.
Answer: D) a daily rotate of the same 100-question bank
Order changes at midnight so you return.
39. Sharing an HECS-HELP admit card publicly can A) expose personal data B) raise your rank C) pay the fee twice D) change the syllabus
Tap A, B, C or D.
Answer: A) expose personal data
Keep numbers private.
40. Coaching claims about HECS-HELP cut-offs are A) always exact in January B) the same for every state C) copied from SAT D) unofficial until the authority publishes them
Tap A, B, C or D.
Answer: D) unofficial until the authority publishes them
Treat them as gossip.
41. A practical or oral for HECS-HELP, if any, is A) part of the published assessment B) optional decoration C) replaced by a tweet D) the same as a written MCQ
Tap A, B, C or D.
Answer: A) part of the published assessment
Check the weighting.
42. Transfer or migration after HECS-HELP follows A) a YouTube comment B) a taxi driver C) the receiving school or university rules D) a currency app
Tap A, B, C or D.
Answer: C) the receiving school or university rules
Get the letter in writing.
43. Disability support for HECS-HELP is A) a secret extra hour for anyone B) forbidden everywhere C) an official access arrangement D) only for staff
Tap A, B, C or D.
Answer: C) an official access arrangement
Ask the centre early.
44. A formula sheet for HECS-HELP is allowed only if A) that paper’s instructions say so B) you printed one at home always C) your friend has one D) it is in another language
Tap A, B, C or D.
Answer: A) that paper’s instructions say so
Invigilators collect extras.
45. Units in a HECS-HELP numerical answer should A) be skipped to save time always B) match the question (cm, $, £, R) C) be US customary only D) be Roman numerals
Tap A, B, C or D.
Answer: B) match the question (cm, $, £, R)
Unit marks are easy marks.
46. Estimation before calculating HECS-HELP items A) wastes the whole paper B) is banned C) catches calculator slips D) replaces working
Tap A, B, C or D.
Answer: C) catches calculator slips
Sense-check the size of the answer.
47. Reading the question twice on HECS-HELP helps because A) the paper is always one word B) command words change the mark scheme C) options never trick D) time is unlimited
Tap A, B, C or D.
Answer: B) command words change the mark scheme
Circle the command word.
48. Command words such as explain / calculate / compare on HECS-HELP mean A) the same one-word reply B) draw a picture only C) skip the question D) different depths of answer
Tap A, B, C or D.
Answer: D) different depths of answer
Marks follow the verb.
49. A data booklet for HECS-HELP (if issued) is A) your personal notebook B) part of the exam stationery C) a phone download in the hall D) optional graffiti
Tap A, B, C or D.
Answer: B) part of the exam stationery
Use the values they give.
50. Revision notes for HECS-HELP should list A) only motivational quotes B) 50 copied PDFs unread C) definitions, exceptions, and one worked example D) someone else’s login
Tap A, B, C or D.
Answer: C) definitions, exceptions, and one worked example
Short notes beat hoarding.
51. Sleep before a HECS-HELP paper usually beats A) skipping breakfast only as a strategy B) arriving without ID C) both of those and more D) an all-night first reading of the syllabus
Tap A, B, C or D.
Answer: D) an all-night first reading of the syllabus
Tired brains drop easy marks.
52. On the day of HECS-HELP, arrive A) exactly as the bell rings B) without the admit card C) with a banned device D) with time to find the room and ID check
Tap A, B, C or D.
Answer: D) with time to find the room and ID check
Centres start on time.
53. After HECS-HELP results, the next step is often A) a published admission, remark, or next paper B) deleting the certificate C) ignoring official email D) paying a stranger to “upgrade” marks
Tap A, B, C or D.
Answer: A) a published admission, remark, or next paper
Use official portals.
54. Scholarships linked to HECS-HELP have A) the same form as a driving licence B) their own forms and dates C) no eligibility rules D) automatic award to every candidate
Tap A, B, C or D.
Answer: B) their own forms and dates
Read the scholarship page separately.
55. University offers that mention HECS-HELP grades are A) verbal promises in a corridor B) conditional on the published offer letter C) a social-media poll D) a bank SMS
Tap A, B, C or D.
Answer: B) conditional on the published offer letter
Keep the offer PDF.
56. Worked examples on this HECS-HELP page use A) original numbers, not a leaked script B) a photocopied board paper C) a paywalled dump D) a scanned teacher copy
Tap A, B, C or D.
Answer: A) original numbers, not a leaked script
Pattern practice is allowed; paper theft is not.
57. A bilingual student using this HECS-HELP desk should A) mix Hindi sentences into the EN URL B) ignore the glossary C) practise the English command words here D) translate only the ads
Tap A, B, C or D.
Answer: C) practise the English command words here
/en/ stays English.
58. When HECS-HELP overlaps another country exam, this page still A) copies USA SAT wording only B) uses India Group C labels C) hides the country D) keeps Australia names and authorities
Tap A, B, C or D.
Answer: D) keeps Australia names and authorities
Local phrases win the click.
59. A parent helping with HECS-HELP should A) take the test for them B) sit while the student taps answers C) buy every book in the shop D) call the board daily
Tap A, B, C or D.
Answer: B) sit while the student taps answers
The score is for the student.
60. HECS-HELP is A) a Canadian TFSA B) UK council tax C) a loan that pays student contributions at eligible unis D) US FAFSA
Tap A, B, C or D.
Answer: C) a loan that pays student contributions at eligible unis
HELP is the broader Higher Education Loan Program.
61. HECS-HELP is repaid A) in 12 monthly cheques always B) only in USD C) through the tax system once income is over a threshold D) never
Tap A, B, C or D.
Answer: C) through the tax system once income is over a threshold
The ATO withholds extra from wages when required.
62. Indexation of HELP debt A) deletes the debt each year B) is a visa C) adjusts the balance (often discussed every June) D) is GST
Tap A, B, C or D.
Answer: C) adjusts the balance (often discussed every June)
It is not the same as a bank interest-only mortgage.
63. You usually need a TFN to A) enter the UK on a tourist visa B) sit WAEC C) defer HECS-HELP and repay via tax D) open a Mexican stall
Tap A, B, C or D.
Answer: C) defer HECS-HELP and repay via tax
Give your TFN to the uni.
64. HECS-HELP is not A) a HELP loan type B) free university — it is deferred student contribution C) repaid via the ATO D) for eligible students
Tap A, B, C or D.
Answer: B) free university — it is deferred student contribution
Some full-fee places use FEE-HELP instead.
65. A compulsory repayment is A) a parking fine B) added to your tax when income is high enough C) council tax D) Express Entry CRS
Tap A, B, C or D.
Answer: B) added to your tax when income is high enough
Voluntary repayments are optional extra payments.
66. CSP means A) Canada Super Plan B) Council Student Payment C) Commonwealth supported place D) Central SAT Paper
Tap A, B, C or D.
Answer: C) Commonwealth supported place
Most HECS-HELP students are in a CSP.
67. New Zealand citizens in Australia A) always get US Pell Grants B) have special HELP rules — check the ATO/StudyAssist page C) pay UK council tax to the ATO D) sit JAMB in Sydney
Tap A, B, C or D.
Answer: B) have special HELP rules — check the ATO/StudyAssist page
Residency status matters.
68. HELP is the umbrella name for A) only HECS-HELP and nothing else B) several Australian higher-education loan types C) UK Plan 5 only D) a Canadian TFSA
Tap A, B, C or D.
Answer: B) several Australian higher-education loan types
HECS-HELP is one loan under HELP.
69. FEE-HELP is for A) eligible students in full-fee places B) only Commonwealth supported places C) apprentices at Centrelink only D) primary school
Tap A, B, C or D.
Answer: A) eligible students in full-fee places
It is still repaid through the tax system.
70. OS-HELP can help some students A) pay the Medicare levy B) buy a Golden Visa C) sit JAMB D) with costs of a short overseas study period
Tap A, B, C or D.
Answer: D) with costs of a short overseas study period
You must still be enrolled at an Australian provider.
71. SA-HELP can cover A) a student-services and amenities fee B) all rent in Sydney C) the Medicare levy surcharge D) GST on textbooks as income tax
Tap A, B, C or D.
Answer: A) a student-services and amenities fee
It is optional at many campuses if you can pay the SSAF yourself.
72. VET Student Loans are A) the same as HECS-HELP at every uni B) a different product for some vocational courses C) UK Advanced Learner Loans as Australian law D) OS-HELP
Tap A, B, C or D.
Answer: B) a different product for some vocational courses
Not every diploma is eligible.
73. StudyAssist is A) an ATO phishing clone by design B) a private lender C) the government website that explains HELP products D) UCAS
Tap A, B, C or D.
Answer: C) the government website that explains HELP products
Use it alongside the ATO’s loan-balance pages.
74. A Commonwealth supported place charges A) international full fees always B) UK tuition as AUD C) nothing, ever, as a grant D) a student contribution, not a full commercial fee
Tap A, B, C or D.
Answer: D) a student contribution, not a full commercial fee
HECS-HELP pays that contribution when you defer.
75. The census date is the deadline to A) withdraw without incurring HELP debt for that unit B) sit the final exam C) lodge your tax return D) get a TFN
Tap A, B, C or D.
Answer: A) withdraw without incurring HELP debt for that unit
Intensive and summer units have their own census dates.
76. Indexation on HELP debt is A) a 20% annual penalty invented online B) an adjustment to the balance, not a bank variable-rate mortgage C) GST D) a visa charge
Tap A, B, C or D.
Answer: B) an adjustment to the balance, not a bank variable-rate mortgage
It is usually applied once a year — read the ATO notice.
77. Compulsory repayments start when A) you graduate, regardless of income B) you turn 18 C) your repayment income exceeds the published threshold D) you buy a house
Tap A, B, C or D.
Answer: C) your repayment income exceeds the published threshold
Thresholds change; do not treat last year’s figure as frozen.
78. When a HELP debt is flagged, employers often A) pay the debt as a bonus B) cancel super C) issue a Medicare card D) withhold extra PAYG
Tap A, B, C or D.
Answer: D) withhold extra PAYG
Too much withheld can come back as a tax refund.
79. Voluntary repayments can be made A) only on census date B) only in cash at the uni café C) only after age 60 D) to the ATO at any time
Tap A, B, C or D.
Answer: D) to the ATO at any time
They do not replace compulsory repayment if you are over the threshold.
80. If you move overseas and earn enough you may owe A) nothing until you return, always B) UK Plan 5 automatically C) an overseas HELP obligation D) GST/HST
Tap A, B, C or D.
Answer: C) an overseas HELP obligation
You must keep the ATO updated with a foreign address.
81. Living abroad with a HELP debt means you should A) ignore notices until you retire B) pay via Student Finance England C) keep the ATO informed and lodge when required D) file only a CRA T1
Tap A, B, C or D.
Answer: C) keep the ATO informed and lodge when required
Non-lodgment can attract penalties.
82. Giving the university your TFN is how A) you enrol in Medicare automatically B) you get a visa C) HELP is attached to your tax record D) you avoid indexation
Tap A, B, C or D.
Answer: C) HELP is attached to your tax record
Without a TFN you may have to pay up-front.
83. There is a HELP loan limit that A) is unlimited for every citizen B) equals your HECS course list in years only C) caps how much you can borrow across HELP products D) is the same as the TFN
Tap A, B, C or D.
Answer: C) caps how much you can borrow across HELP products
Check StudyAssist rather than a forum screenshot.
84. HECS-HELP and FEE-HELP generally A) each give a brand-new unlimited cap B) never appear together C) are paid in USD D) share that combined HELP limit
Tap A, B, C or D.
Answer: D) share that combined HELP limit
SA-HELP and OS-HELP have their own treatments — read the table.
85. New Zealand citizens in Australia have A) automatic HECS on a tourist visit B) UK home-fee status at the ATO C) special HELP eligibility rules D) US Pell Grants
Tap A, B, C or D.
Answer: C) special HELP eligibility rules
Visa subclass and residency years matter.
86. Failing academic-progression rules can A) affect whether you keep using HELP B) delete existing debt automatically C) raise your ATAR after the fact D) grant a 189 visa
Tap A, B, C or D.
Answer: A) affect whether you keep using HELP
Providers publish their progression policy.
87. Changing from a CSP to a full-fee place usually A) wipes prior HECS B) is illegal C) changes the loan type you use D) converts debt to a TFSA
Tap A, B, C or D.
Answer: C) changes the loan type you use
Census dates still apply.
88. Unlike a high-street bank loan, HECS-HELP is A) refinanced at any high-street bank B) interest-only like a mortgage C) paid in USD cash weekly D) repaid through the tax system, not a branch EMI
Tap A, B, C or D.
Answer: D) repaid through the tax system, not a branch EMI
There is no monthly ‘EMI’ separate from tax.
89. Your HELP balance is shown in A) the NHS App B) KHDA reports C) JAMB CAPS D) ATO online services / the ATO app
Tap A, B, C or D.
Answer: D) ATO online services / the ATO app
It updates after lodgment and indexation.
90. Graduation does not A) pause indexation of HELP debt B) end compulsory repayment if you still earn enough C) remove the TFN link D) stop the ATO showing a balance
Tap A, B, C or D.
Answer: A) pause indexation of HELP debt
Only repayment and write-off rules reduce it.
91. Having a HELP debt does not stop you A) holding a TFN or lodging a return B) ever working C) enrolling in Medicare if eligible D) having super
Tap A, B, C or D.
Answer: A) holding a TFN or lodging a return
The debt sits on the tax account.
92. A scholarship that pays tuition can A) increase indexation as a penalty B) reduce how much HELP you need to borrow C) cancel your TFN D) be GST on fees always
Tap A, B, C or D.
Answer: B) reduce how much HELP you need to borrow
Tell the provider how fees are being paid.
93. Some postgraduate Commonwealth supported places still use A) only FEE-HELP in every case B) only OS-HELP C) HECS-HELP D) UK Plan 2
Tap A, B, C or D.
Answer: C) HECS-HELP
Check the offer letter for CSP vs full-fee.
94. FEE-HELP on some undergraduate full-fee places can include A) a loan fee B) free money C) the Medicare levy D) GST as the only charge
Tap A, B, C or D.
Answer: A) a loan fee
The loan fee is added to the HELP balance.
95. If you can pay the SSAF yourself, SA-HELP is A) compulsory like HECS for every CSP unit B) a visa C) optional at many providers D) Medicare
Tap A, B, C or D.
Answer: C) optional at many providers
Missing census still matters if you deferred it.
96. Withdrawing after the census date generally A) refunds HECS automatically always B) moves the debt to your parents C) leaves the HELP debt for that subject D) converts it to OS-HELP
Tap A, B, C or D.
Answer: C) leaves the HELP debt for that subject
Special-circumstances remissions have a formal process.
97. A summer or intensive unit has A) the same census as semester 1 always B) no HELP consequences C) its own census date D) a census on 30 June only
Tap A, B, C or D.
Answer: C) its own census date
Check the unit outline.
98. HELP compulsory repayment is A) in addition to ordinary income tax B) instead of income tax C) a GP gap fee D) GST
Tap A, B, C or D.
Answer: A) in addition to ordinary income tax
Both can appear on the same assessment.
99. Two jobs still mean A) two separate HECS balances by employer B) no withholding at the second job ever C) a Medicare card per job D) one HELP debt scored against total repayment income
Tap A, B, C or D.
Answer: D) one HELP debt scored against total repayment income
The ATO combines the income.
100. You cannot usually A) view the balance on myGov B) make a voluntary repayment C) defer eligible fees at census D) transfer HELP debt to a parent
Tap A, B, C or D.
Answer: D) transfer HELP debt to a parent
The debt stays in your name.
