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7.10.3 Review of rate of instalments written repayment agreement to the debtor must explain that the Department will review the rate of repayment from time to time. review of the rate of repayment should be conducted where the client defaults on a payment or where a change in circumstances is detected. the Department is aware that the debtor's financial circumstances will improve, for example a loan will be paid out or income will increase, the repayment agreement should be reviewed. However, it should be noted that the Department cannot unilaterally change an agreement reached with a debtor, particularly where the debtor is honouring his/her obligations under the agreement.