This guide helps with
- Understand what a financial counsellor does
- Know that the service is genuinely free and independent
- Learn how to get in touch with one
- Understand how they can help with your Merion account
- Feel confident reaching out for support
5 min read
You're not alone
Financial counsellors are trained professionals who help people understand and deal with money troubles — and their help is free, confidential and completely independent. They are not selling anything and they will never judge you. Their job is simply to be on your side.
Reaching out to one is one of the most useful things you can do if money feels overwhelming. You do not need things to be at crisis point to call; they help people at every stage.
What you can do
A financial counsellor can do far more than just listen.
- Look at your whole financial picture and explain your options clearly.
- Help you build a budget and work out what you can afford.
- Talk to creditors, including us, on your behalf.
- Point you to other support and entitlements you may not know about.
Step by step
- Call the free National Debt Helpline on 1800 007 007 (weekdays).
- Explain your situation — there is no need to prepare anything fancy.
- Have any account or reference numbers nearby if you can, but it is fine if you cannot.
- Ask them to help you plan, and whether they can speak with us for you.
- Follow up with us on anything you agree, and keep your notes.
Who to contact
The National Debt Helpline on 1800 007 007 connects you with free financial counsellors across Australia. If money worries are weighing on your mental health, Lifeline on 13 11 14 and Beyond Blue on 1300 22 4636 are there any time. You can also read more about getting support in our Help Centre.
Good to know
- Financial counselling is free, confidential, independent and judgement-free.
- Counsellors can budget with you, explain options, and talk to us for you.
- You do not need to be in crisis to call — they help at every stage.
- Reach a counsellor through the National Debt Helpline on 1800 007 007.
FAQ
Is financial counselling really free?
Yes, genuinely. Financial counsellors through the National Debt Helpline do not charge, and you should be wary of anyone asking you to pay for this kind of help.
Will they tell me off about my money?
No. Financial counsellors are there to support you, not to judge. Their whole purpose is to help you find a way forward.
Can a counsellor deal with Merion for me?
Yes. With your okay, a financial counsellor can speak with us on your behalf and help arrange something manageable.
Still stuck? Our team is happy to help you sort it out.