The government requires you to repay your HECs debt at a particular rate depending on your current taxable income.
As many scholarships are tax free, and often the ones that are taxable are low enough that no HECs is repaid, in most cases the bank will ignore your HECs debt.
It is assumed that when you enter the workforce your income will rise and then you will begin to repay your HECs.
Overall you would be in a better position when this happens so the lender will not take your HECs debt into account.