Free support to manage your debts

How can we help

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Recognising when you need support is the best start to addressing financial stress. Learn more about how you can take the first step towards a debt free future.

How we can help you in three simple steps

We provide free assistance to people in financial hardship but who still have income, by helping them to get out of debt faster. We assist by:

  • 1Establishing a workable budget.
  • 2Advocating for affordable arrangements with creditors. This means no more stressful conversations with debt collectors.
  • 3Helping with debt repayments, so you can make one regular payment to us, which we then distribute to your creditors.

No hidden fees, 100% free of charge.

Get on top of your finances

Our debt info pages provide simple and actionable information about budgeting, money, debt and financial hardship to support Australians get back to financial stability.

Emergency funding and help

If you are struggling to pay for the essentials such as food and rent, you might want to know more about your options. Here are some of the available free emergency services and funding if you live in Australia and find yourself in financial difficulty and needing money urgently.

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Withdrawing super to pay debt

Discover what is super or superannuation, can you use super to pay off debt and how is super changing. In addition, this FAQ provides key things to evaluate when deciding if you should use super to pay off debt and considerations for accessing super early.


Credit card debt

Credit card debt is one of the most common forms of debt in Australia but usually comes with high interest rates. We explain how credit card debt works and what to do if you can no longer repay your credit card repayments.

Our supporters and partners

Way Forward is the combined initiative of corporate and community organisations that are committed to helping people all across Australia find out how to get out of debt with free, simple and accessible debt advice and debt management services. We are proudly supported by the following organisations:

Australian Banking Association logo
SVA - Social Ventures Australia
Thriving Communities Partnership - Connect. Collaborate. Impact.
afterpay Logo
ANZ logo
Collection House Group
bankwest logo
Bank of Melbourne logo
Bank SA - Let's do this - logo
Latitude logo
Commonwealth Bank logo
Credit Corp Group
HSBC logo
ING logo
ZIP logo
NAB logo
St George logo
Suncorp logo
Westpac logo

Way Forward is a not for-profit-organisation helping hundreds of Australians in financial difficulty become debt free.

We have a dedicated team that provides free debt advice and free financial support to help you deal with your debt and set up a solution. Our hardship advocates have extensive experience handling creditors, negotiating better outcomes and providing debt relief for our clients. Our service has no ongoing fees or charges.

At Way Forward, we are a debt relief charity with a vision to create a society free from problem debt. We help those in debt get back on their feet.

Frequently asked questions

Way Forward is an Australian registered charity that provides a free service to hundreds of Australians in financial difficulty, assisting them on a path towards financial stability.

Way Forward is proudly backed by Australia’s biggest banks and lenders, including ANZ, Commonwealth Bank, NAB and Westpac. If you are earning an income but in financial difficulty due to unmanageable debts, Way Forward can negotiate with all creditors on your behalf and establish a realistic budget alongside a single regular payment, 100% of which goes towards reducing the debt.

Way Forward was created in response to the alarmingly high number of Australians who have found themselves with unmanageable unsecured debt (credit cards, personal loans, payday loans, etc.). This means they cannot find a way out of their financial hardship.

Although every person in financial hardship is battling a different set of life challenges, the good news is that Way Forward’s response is custom-made, considered and unanimously brings a sense of relief to our clients.

In fact, our research shows that most of clients (83-90%) are confident they can gain control of their finances now they have a realistic budget and repayment plan in place. This is the exact impact Way Forward’s service aims to achieve: to improve well-being in the form of a clear, achievable, dignified pathway out of debt.

As an independent not-for-profit organisation, our sole purpose is to support our clients. You can trust us to always act in your best interest. We are not selling products or working on behalf of a particular business.

We take your privacy and safety seriously. Our protocols ensure that what you share with us remains confidential. When we speak to your creditors on your behalf, we only share what is necessary to set up your repayment plan, and we only do so after you have given your permission.

We’re proud to have been able to assist hundreds of Australians who are in medium to long term financial difficulty. We can help people who struggle to pay unsecured debt (credit cards, personal loans, payday loans, etc.) across multiple creditors.

Do you have money left after covering all your living expenses to repay some of your debt? Further, are your circumstances unlikely to change? If the answer to both these questions is yes, then we can help.

Contact us on our website, or give us a call on 1300 045 502 and speak to one of our helpful financial hardship advocates today.

If we cannot assist or we believe that you could get better support from another organisation, we will refer you the right support services.

Find out more how we can help here.

Way Forward has close relationships with creditors and a process to renegotiate debt to develop fair and reasonable repayment plans. We speak to your creditors on your behalf, saving you time to focus on the important matters in your life.

We ensure you get a reasonable arrangement where you pay what you can afford and leave enough for living expenses. We make things easy for you, by allowing you to make a single regular payment to us, which we then distribute to your creditors.

We will look at all your debt when we assess your situation and determine how much you are able to repay. We currently focus on helping clients with their unsecured debt only.

If you have secured debt (e.g. a mortgage or car loan), we will outline some options for where and how you could get support. We are also happy to connect you to other organisations better placed to help you.

Our service is 100% free so get in touch today to see if we can help you towards financial freedom.