I'm also a kiwi and have been working for over 15 years and have a student loan. The only time I have to do anything is when I file an optional personal tax sum

I'm also a kiwi and have been working for over 15 years and have a student loan. The only time I have to do anything is when I file an optional personal tax summary to see if i/them owe anything. It takes less than 5 minutes online and is free.