Losing a job is stressful enough without a pile of confusing debt advice on top of it. Rebuild Ledger 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. Instead, we help you decide which type of option fits your situation: how each one works, what it typically costs, who it suits, and the red flags that signal a bad deal. Where a link would help you compare current offers, we mark it clearly.

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.

Disclosure: This site contains affiliate links. If you buy through them we may earn a commission at no extra cost to you — it helps fund our independent research. We only recommend products we believe offer genuine value. Learn more.

Start here