All financial counselling services are the same across the board because they're government-funded—not private services—so every client has equal access.

Clients can speak with a financial counsellor for as long as needed—whether that’s a single 1-hour session or multiple sessions—until their situation is resolved.

Financial counselling is completely free and confidential, and can be done online or in person. It includes support with:

• Understanding your financial goals

• Budgeting and money management strategies

• Tips for saving and reducing debt

• Help with managing everyday expenses or unexpected financial changes

• Assistance (if needed) with applying for hardship support, grants, or negotiating solutions like loan consolidation

What financial counsellors can’t do:

• Provide financial or investment advice

• Offer legal advice

• Manage assets on your behalf

If you'd like to get started or refer someone, here are a few options:

📞 National Debt Helpline: 1800 007 007

📞 Salvation Army Moneycare: 1800 722 363

📞 Better Place Australia: 1800 639 523