Help Centre

Hardship & support

Help if paying would cause hardship, and where to find free advice.

What counts as financial hardship?

Hardship means paying a debt would leave you unable to meet reasonable living expenses. Here’s what to know.

Yes. A financial counsellor, family member or other representative can act for you with your consent.

If paying would cause genuine hardship, tell us — we can take your circumstances into account.

Free, independent and confidential financial counselling is available in Australia through the National Debt Helpline.