The cost of living crisis has hit hard and thousands of Australians are drowning in credit cards, personal loans, buy now pay later and overdue bills - feeling like there’s no way out. But here’s the part most people don’t realise: Aussies with over $10,000 in unsecured debt, there are options - even for those who have been declined for loans before. For those who can qualify, access a lower-rate Debt Consolidation Loan, combine debts into one payment, with a lower rate. or For those who don’t qualify, access legally-backed debt relief programs that can: Reduce the amount of debt owed Replace multiple bills with one lower manageable payment Check eligibility in 30 secs now.