Support hub

Things in life can sometimes make it hard to keep up with repayments. If you’re struggling, there are ways to help get your debt under control.

• Moneysmart: Simple steps to get out of debt and stay out of debt.
• Services Australia: Steps to help you manage debt and help control your money.

Discover smart ways to budget and manage your money. Knowing where you are now will help you get to where you want to be.

• Services Australia: Tips and information to help you at different times of your life.

A budget planner takes your individual needs and spending into account, and can help you see where your money is going.

• Moneysmart: Work out where your money is going.
• Services Australia: Practical information to help you budget.

When it comes to savings, it all adds up. A good place to start is by calculating an achievable savings goal to work towards.

• Moneysmart: Work out where your money is going.

Free financial counselling resources are available to help you manage your money more efficiently and set you on the right path.

• Services Australia: A free service that can inform and educate you about financial matters.
• Moneysmart: Free help to sort out your money problems.
• National Debt Hotline: Find a financial counsellor.

Your credit score is calculated by a range of factors (such as the amount of money you’ve borrowed in the past). Banks and financial institutions use this information when deciding whether to lend money to you. Your free credit report details your credit score.

• Moneysmart: Check your credit score and credit report for free.
• Your credit score: Know your credit score.
• Free credit report
  • Experian or call 1300 783 684
  • Illion or call 132 333
  • Equifax or call 138 332.

Health issues or disability can make it difficult to keep up with repayments. If you need more support, help is available.

• Services Australia: Severe financial hardship provisions.
• Services Australia: Disability support pension.

There are steps you can take if you are suffering financial hardship caused by domestic or family violence, with your safety a top priority.

• Services Australia: Information, referrals and support for people affected by family and domestic violence.
• National Debt Hotline: Information for people affected by domestic and family violence, and financial hardship.
• National Debt Hotline: Information on financial abuse in intimate partner relationships. 

Debt stress can take a toll on your mental health, so it’s important to know the signs. If you need support, there’s always somebody to listen.

• Lifeline
• National Debt Hotline: Mental health and financial hardship information.
• Services Australia: Access Medicare and some health services at low or no cost. 

If you require support, you can access a range of payments and services.

• Services Australia: Payments and support for Aboriginal and Torres Strait Islander people.

If you are an older Australian, or are providing care to an older Australian, there are several payments and services available to help you keep your finances in check:

• National Seniors: How to manage debt and take control of your money.
• National Seniors: Calculators that assist you in dealing with financial decisions.
• Services Australia: Payments and services for people retiring or accessing aged care.

Emotional and financial support is available to help you manage your finances during times of serious illness.

• Moneysmart: Look after yourself and your finances.

The death of someone close to you can be a painful time and there can be a lot to organise, let us help you in your time of need.

• Australian Death Notification Service: A secure online platform which allows you to notify multiple organisations of a death.