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Debt relief & payoff after job loss

Understand your next money decision.

Honest debt guidance for Australians getting back on their feet after a layoff.

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Free Financial Counselling & Hardship Help in Australia (2026): How It Works

How free financial counselling and hardship programs work in Australia, when to use them after a layoff, and how they differ from paid debt companies.

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Borrowing, costs & free help

  1. Understand costs

    How to Assess Balance Transfer Cards in Australia: Fees, Repayments and Risks

    How to compare balance transfer credit cards in Australia in 2026 — intro rates, fees, terms and the traps to avoid when paying down debt after a layoff.

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  2. Understand costs

    Balance Transfer Cards in Australia: How They Work and What to Check

    How balance transfer credit cards work in Australia, what to compare, and who they suit when paying down debt after a job loss. General info, not advice.

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  3. Understand borrowing

    Debt Consolidation Loans in Australia: Costs, Risks and Alternatives

    How debt consolidation loans work in Australia, secured vs unsecured, what to compare, and the traps to avoid when consolidating debt after a layoff.

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  4. Everyday costs

    How to Choose a Budgeting Tool After Job Loss in Australia

    Types of budgeting tools for Australians managing debt after a job loss — features to compare, free vs paid, and how to pick one you'll actually use.

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  5. Free help

    Hardship request refused after job loss? Prepare your next complaint

    A practical Australian checklist for a refused or unanswered loan-hardship request: organise evidence, ask clear questions and understand the free AFCA route.

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  6. Understand costs

    Redundancy pay and JobSeeker: checks before using a lump sum to clear debt

    Understand why paying off debt may not remove a JobSeeker waiting period, what records to gather and how to seek help when bills fall due before payments start.

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About these guides

Losing a job is stressful enough without a pile of confusing debt advice on top of it. Money Haven exists to cut through the noise. We explain the real options Australians use to manage and pay down debt after a layoff — balance transfer cards, debt consolidation loans, budgeting apps and free financial counselling — in plain English, with the trade-offs spelled out honestly.

We don't rank fake five-star products or push whatever pays us most. These educational explanations are not a recommendation to take out credit or select a product. We do not assess your circumstances or eligibility. Links below lead to free, non-commercial resources rather than paid product referrals.

This is general information for Australian consumers, not financial advice. Your circumstances are unique — always verify current terms and consider speaking with a free financial counsellor (dial 1800 007 007, the National Debt Helpline) before making big decisions.

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