While you’re here… help us stay here.

Are you enjoying open access to policy and research published by a broad range of organisations? Please donate today so that we can continue to provide this service.


Financial Counselling Australia


It’s credit, it’s causing harm and it needs better safeguards

Financial counsellors are reporting that more and more clients have Buy Now, Pay Later (BNPL) debt and that this is causing financial hardship. The aim of this survey was to understand the extent of the issues, particularly given the broader context, as BNPL is now...

Hardship policies in practice: a comparative study

Drawing on the grassroots professional experiences of financial counsellors as well as focus group interviews with consumers, this report outlines how the telecommunications industry's hardship policies and practices compare with those of the banking, energy and water industries.