HERE TO HELP / Free letters. Clear next steps.

Start with your numbers

What does your
budget look like?

Use your own figures to compare income and costs. This worksheet shows arithmetic, not a recommended repayment. Moneysmart recommends reviewing income and expenses before deciding what you can manage.

Your numbers stay in this tab. We do not save them or transfer them to a letter. Download your worksheet before leaving.

Sources you can check

A person on your side

You don’t have to work
through this alone.

Free help: The National Debt Helpline puts you in touch with a free financial counsellor.

National Debt Helpline1800 007 007 Visit ndh.org.au