Graduates with outstanding tuition debt should do the maths on whether to bring forward repayments because if they get in quick, they can save hundreds of dollars by nabbing lower indexation, financial advisers say.

And even those who cannot afford to make extra payments can take solace in the fact that a one-off interplay between changes to the Higher Education Loans Program (HELP) and stage three tax cuts could mean a heartier tax refund this year.