If you think you may have trouble meeting your repayments, ask for help as soon as possible. Acting early can help you understand your options.
You can make a start by:
- asking for help early if you think you'll struggle to make repayments
- working out what you owe and when payments are due
- focusing on one debt at a time and making regular repayments where you can
There are services that can help. You can contact the National Debt Helpline on 1800 007 007 for free, confidential and independent advice. You can also find a financial counsellor in your area.
Learn more about getting financial help.