Free support to manage your debts

How we can help

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We know it takes courage to reach out for support with problem debt.

Discover how our free services can help you get your finances back on track.

    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

    Learn more about options for people in Australia who are struggling to pay for essentials such as food and rent, including free emergency services and funding.

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    Withdrawing super to pay debt

    Discover more about superannuation, including whether you can use super to pay off debts, and what you need to consider before going down this path.


    Credit card debt

    Credit card debt is one of the most common forms of debt, but it usually comes with high interest rates. Find out what to do if you can no longer pay 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 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.

    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.

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