Commonwealth Consolidated Acts Commonwealth Consolidated ActsThis Division sets out how a student who is a party to a financial supplement contract ( the contract ) with a participating corporation may make repayments of financial supplement before the end of 4 years beginning on 1 June in the year next following the year in which the contract was entered into. Section 12X explains how the amount outstanding at any time under the contract (including the amount attributable to indexation, which is identified by section 12Y) is calculated. Section 12ZA explains how the discount for early repayment is calculated and applied.