How do I get free financial counselling?
Financial counsellors give free, independent, confidential help with money and debt.
This guide helps you
- Understand what a financial counsellor does
- Know that the service is free and confidential
- Learn how to get in touch
- Know what to have ready for your first call
- Understand how a counsellor can speak up for you
5 min
You're not alone
A financial counsellor is a trained professional who helps people in financial difficulty — for free. They are independent, non-judgemental and confidential, and they are not trying to sell you anything.
This page is general information, not financial advice. To speak with a financial counsellor, call the National Debt Helpline on 1800 007 007.
What a financial counsellor can do
A financial counsellor can help you:
- Understand your debts and your rights
- Work out a realistic budget
- Decide which debts to deal with first
- Negotiate with creditors, including asking for hardship help
- Point you to other support such as grants, concessions or legal help
Step by step
- Call 1800 007 007 (the National Debt Helpline) during their opening hours, or visit their website to find a counsellor.
- Have a rough idea of your situation ready — who you owe, roughly how much, and your income and main expenses.
- Be honest. The more the counsellor understands, the better they can help.
- Take notes on what they suggest and any next steps.
You can find more support services in our directory of bodies.
Good to know
Free financial counselling is very different from paid 'debt management' or 'debt agreement' companies, which can charge significant fees. If anyone asks you to pay for debt help, you can pause and speak to a free counsellor first. Learn more in our help centre.
If things feel overwhelming, Lifeline 13 11 14 and Beyond Blue 1300 22 4636 are there for emotional support.
Key takeaways
- Financial counsellors offer free, independent, confidential help
- They can budget with you and negotiate with creditors
- Reach one through the National Debt Helpline on 1800 007 007
Frequently asked questions
Is financial counselling really free?
Yes. Financial counselling through services like the National Debt Helpline (1800 007 007) is free. Be wary of companies that charge fees for 'debt management' or 'debt solutions'.
Will my information be kept private?
Financial counsellors treat your information confidentially. They are independent and are there to help you, not a creditor.
Can a counsellor talk to my creditors for me?
Often, yes. With your permission, a financial counsellor can advocate on your behalf, explain your situation to creditors and help negotiate arrangements or hardship assistance.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
Know your options, know your rights
A free, plain-English guide to dealing with debt in Australia — and the people who can help.