Financial assistance programs in Australia can help when you do not have enough money or unexpected costs arise. Knowing what support is available helps you manage expenses, avoid debt problems and stay financially stable while settling in NSW.
Help with paying bills and fines
Find financial assistance to pay bills, manage fines, and get urgent support when you cannot afford essential costs.
Urgent help with money (Moneysmart)
Read information about getting help if you are in crisis or struggling with money.
Ask Izzy tool
Use this tool to find services you need, including housing, food, money help, family violence support, counselling, and more.
Problems paying your bills and fines (Moneysmart)
Read information about getting help if you are having problems paying your bills and fines.
Difficulty paying your fine
Read information about getting help if you have received a fine or overdue fine notice and are having difficulty paying.
Energy Accounts Payment Assistance (EAPA) scheme
Learn how to apply for Energy Accounts Payment Assistance (EAPA) to help you pay for your current residential electricity or gas bills if you are in short-term financial hardship, crisis or emergency.
Get help with Sydney Water bills
Read information about how to get help with Sydney Water bills.
Concessions, rebates and assistance for household bills
Read information about concessions, rebates and assistance for a wide range of household bills and activities.
Help with debt
Get support to manage debt, speak to free financial counsellors, access low-interest or no-interest loans and find ways to reduce what you owe.
Use this tool to help you to find rebates and vouchers relevant to you.
Use this tool to find No Interest Loans Scheme (NILS) provider, which offers safe and affordable access to credit to people on low incomes in NSW.
Read information about concessions, rebates and assistance for a wide range of household bills and activities.
Contact the National Debt Helpline, which provides free advice on managing your debts.
Learn how to manage your debt and take control of your money.
Learn how to deal with debt collectors.
Read information about how to avoid being overpaid or to manage owing money for a Centrelink debt.
Read information about how the Australian Competition and Consumer Commission supports debtors and debt collectors.
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