Financial difficulty
Help if your repayments are hard to manage
If you're struggling with repayments, reach out early. We can help you work through your options.
If your repayments have become hard to manage, reach out as early as you can. Acting early gives you more options.
Your options
You can contact your lender directly to talk about options such as postponing some repayments, changing your loan term or varying your contract. Lenders assess hardship requests case by case and can offer short-term relief while you get through a difficult period.
You can also contact us. We'll walk you through the process, help with your hardship application and look at longer-term options, such as restructuring or refinancing, if they suit your situation. We can meet in person, talk by phone or by video.
Help with money
- Australian Banking Association financial assistance hub
- Moneysmart, from ASIC: tips and tools for managing money
Free support and counselling
- National Debt Helpline: free, independent financial counselling on 1800 007 007
- Salvation Army Doorways
- 1800RESPECT: 24-hour support for anyone affected by family, domestic or sexual violence, 1800 737 732
- Beyond Blue: support for depression and anxiety
- Way Forward: help for people in long-term financial difficulty, 1300 045 502
Government support
- Services Australia (Centrelink): payments and support
- Find unclaimed money, from ASIC