What you'll do
- Know what a hardship letter should and should not include
- Structure your letter so it is easy to act on
- Describe your situation honestly and respectfully
- Make a clear, realistic request
- Avoid the common mistakes that slow things down
5 min read
What to include
A good hardship letter is short and honest. It tells us who you are, what has changed, what you can afford, and what you are asking for. You do not need legal language or long explanations — plain, calm wording works best and is easier for everyone to act on.
- Your name and account or reference number
- A brief note on what changed and when
- A simple picture of your income and essential costs
- What you are proposing — a reduced payment, a pause, or a settlement
- How and when you can be contacted
Write it step by step
- Start with your name, contact details and account number at the top.
- In one or two sentences, explain what changed (for example, illness or reduced hours).
- List your income and main essential expenses so the figures are visible.
- State clearly what you are asking for and the amount you can manage.
- Close politely, thank the reader, and confirm the best way to reach you.
- Read it back, keep a copy, then send it through our contact form.
A short example you can adapt
Feel free to adapt wording like this: "My name is [name], account [number]. Since [date] my income has reduced because [reason]. After rent and essentials I can afford about $[amount] per fortnight. I would like to request a reduced payment arrangement while my situation improves. The best way to reach me is [phone/email]."
That is genuinely enough. If you would like help drafting it, the free National Debt Helpline on 1800 007 007 can talk it through with you.
Good to know
- Keep it short, honest and polite — plain wording works best.
- Always include your account number, what changed, and what you can afford.
- Make one clear request and keep a copy of your letter.
- The National Debt Helpline (1800 007 007) can help you draft it for free.
FAQ
How long should a hardship letter be?
Usually half a page is plenty. A few clear sentences about what changed and what you can afford are far more useful than a long letter.
Should I apologise in the letter?
You do not need to. A calm, factual letter that explains your situation and what you can manage is exactly what is needed — there is no shame in asking for support.
Can I email it instead of posting it?
Yes. Sending it through our contact form or by reply email is fine, and it gives you a dated record of what you sent.
Still not sure? Our team is happy to talk it through.