Way Forward Debt Solutions
A free, not-for-profit service that helps people manage and repay debt through a tailored plan.
In this profile
- Explain that Way Forward is a free, not-for-profit debt help service
- Show who it helps and the kinds of debt it can support with
- Describe how it helps arrange and manage a repayment plan
- Reassure readers that free, structured debt help is available
- Direct readers to the official site for current details
5 min
What it is
Way Forward Debt Solutions is a free, not-for-profit service that helps people who are struggling with debt to get back on track. It works with you to understand your situation and, where suitable, helps arrange and manage a single, affordable plan to repay your debts over time.
The service is free for the people it helps and is designed to reduce stress and bring order to a difficult situation. You can find current details on the official Way Forward website.
Who it helps
Way Forward helps everyday Australians who have multiple debts — such as credit cards, personal loans or store cards — and are finding the repayments hard to manage. It is particularly useful when you can afford to pay something, but juggling several creditors has become overwhelming.
If your debts feel scattered and stressful, this kind of structured help can bring relief. You can also explore your broader options on our support services guide.
What help it offers
Way Forward can help you bring your debts together into a single manageable repayment plan, and may liaise with your creditors on your behalf. It can help seek arrangements such as reduced or paused interest where creditors agree, so more of each payment goes toward clearing the debt.
It complements financial counselling and other supports, and the team aims to make the process clear and supportive. You stay informed and in control throughout.
How to get in touch
You can contact Way Forward to see whether its program suits your situation — please check the official website for current details, including how to apply, eligibility and how the service works, as these can change.
You can also reach a financial counsellor through the National Debt Helpline on 1800 007 007. If you are feeling overwhelmed, Lifeline on 13 11 14 is available any time.
Key takeaways
- Way Forward is a free, not-for-profit service that helps people repay debt
- It is well suited to people with multiple debts who can afford to pay something
- It helps arrange a single, manageable plan and may liaise with creditors
- Check the official website for current details and how to apply
Frequently asked questions
Does Way Forward cost anything?
Way Forward is a free, not-for-profit service for the people it helps. Check the official website for current details on how the service works.
Is this the same as a debt agreement?
Not necessarily. Way Forward helps arrange and manage an affordable repayment plan with creditors. A formal debt agreement is a different, legal arrangement. A financial counsellor can help you compare your options.
Who is it best for?
It is particularly helpful for people with multiple debts who can afford to pay something but find juggling several creditors overwhelming. Check the official website for current eligibility.
This is general information, not legal or financial advice. Details can change — always confirm current contact details and processes on the organisation's official website.
Know who to turn to
A free, plain-English directory of the regulators, courts, schemes and services behind debt and credit in Australia.