Advertorial Last updated August 3, 2026

Want To Clear Your Debt? Learn About an Australian Option That May Help Without Bankruptcy or Another Loan

If credit card bills, personal loans, and other unsecured debts keep piling up, there may be a formal option available that could help you regain control of your finances.

Check My Eligibility
Yellow sticky note on a fridge in an Australian kitchen that says Finally Done, $18,347.28, Credit card debt.

Are you feeling buried under credit card bills, personal loans and other debts that seem to grow every month?

It can feel overwhelming, especially when minimum repayments barely make a dent and interest keeps adding up.

Many Australians are now exploring debt relief options that may help them deal with eligible unsecured debts without taking out another loan or declaring bankruptcy.

Depending on your circumstances, you may be able to reach an arrangement with creditors and make repayments based on what you can reasonably afford.

With the right option, you may be able to simplify repayments, reduce financial pressure and start getting your budget back under control.

This initial assessment is intended for Australian residents with $8,000 or more in eligible unsecured debt across two or more creditors.

Limited Availability

The number of applications participating providers can assess may be limited. If you want to see whether you may qualify, it makes sense to check your eligibility sooner rather than later.

Imagine what extra breathing room in your budget could mean: catching up on bills, reducing stress, and feeling more in control month to month.

The initial eligibility check is free.

It is not an application for a new loan, and completing the questionnaire does not, by itself, affect your credit score.

Here’s how to see if you may be eligible:

  1. Click on your state or territory on the map below.
  2. Answer a few quick questions about your debts and financial situation.
  3. You can complete the initial eligibility check in less than 60 seconds.
Start Free Assessment

Don’t wait until your debts become even more difficult to manage. Australians across the country are looking into their options and taking the first step toward getting their finances back under control.

Your financial situation may have more options than you realise.

Click your state or territory below

Map of Australia showing states and territories.

Important Information

This website is operated for informational and marketing purposes only.

Unless expressly stated otherwise, we are not a registered debt agreement administrator, registered bankruptcy trustee, financial adviser, financial counsellor, credit provider, law firm, the Australian Financial Security Authority or an Australian government agency.

We do not directly provide bankruptcy services, Part IX debt agreements, personal insolvency agreements, legal advice, financial advice, credit counselling or lending services.

We may connect individuals with independent third-party service providers that offer debt-related services or other financial assistance options. We may receive a referral or marketing fee when an individual is connected with a participating provider.

Submitting the eligibility questionnaire does not guarantee acceptance into any particular program or arrangement.

Eligibility, creditor approval, repayments, fees, savings, timeframes and outcomes depend on individual circumstances and are not guaranteed.

A formal debt agreement is not suitable for everyone and can have significant consequences. Depending on the solution selected, it may affect your credit history, ability to obtain future credit and information recorded on the National Personal Insolvency Index.

Any examples, testimonials, reviews or success stories presented on this website are for illustrative purposes only and should not be interpreted as typical results or a guarantee of outcome.

Information on this website is general in nature and should not be relied on as personal financial, legal or insolvency advice. Consumers should carefully compare available options and obtain independent professional guidance where appropriate.

Free and confidential financial counselling is available through the National Debt Helpline on 1800 007 007.