A path back
to even.

Hardship Hub is a national program for Australians in financial hardship. We bundle your debts into one affordable monthly payment — designed with you, accepted by your creditors, covered by AFCA.

One payment

A single monthly direct debit replaces every creditor chase.

Fair by design

Built on the HEM benchmark — no budget you can't afford.

No credit check

Looking at your situation doesn't touch your credit file.