No credit impact | Free & Fast Assessment
No credit impact | Free & Fast Assessment
A flexible, non-formal option that combines debts into one affordable payment. It isn’t legally binding, so you have more room to adjust if circumstances change.
Support for personal, credit card, or business debt. We help you manage your loans with simplified payments, reduced fees, and around the clock support.
A formal, legally binding alternative to bankruptcy. Repay a reduced amount under one affordable plan, while creditors stop charging interest and chasing you.
Debt management is about making your debts easier to handle.
This means rolling multiple debts into one simple payment, negotiating fairer terms with creditors, and putting a structured Debt Relief Plan in place.
The goal is simple: to ease stress, bring back financial stability, and help you move forward with confidence.
At Just Budget, we tailor debt management solutions to your situation. Whether it’s reducing repayments, cutting fees, or helping you budget better, our team makes life affordable so you can focus on what matters.
Just Budget has the tools to help you become debt-free. Find out how our debt solutions work:
We’ve supported thousands of Aussies to reduce their debt payments and start their debt-free journey.
Check out the results below that 10 randomly selected clients were able to achieve:
| Client Name | Before Just Budget | New Monthly Payment | Monthly Savings | Reduction |
|---|---|---|---|---|
| Troy | $4,647.22 | $194.00 | $4,453.22 | 95.8% |
| Sally | $3,521.49 | $194.00 | $3,327.49 | 94.5% |
| Marcus | $5,723.78 | $374.00 | $5,349.78 | 93.5% |
| Rebecca | $5,536.16 | $394.00 | $5,142.16 | 92.9% |
| Andy | $1,931.73 | $434.00 | $1,497.73 | 77.5% |
| Michelle | $1,816.05 | $394.00 | $1,422.05 | 78.3% |
| Daniel | $1,075.59 | $365.00 | $710.59 | 66.1% |
| Karen | $782.62 | $294.00 | $488.62 | 62.4% |
| Steve | $2,190.37 | $1,194.00 | $996.37 | 45.5% |
| Nicole | $708.00 | $394.00 | $314.00 | 44.4% |
Before Budget
$4,647.22
New Payment
$194.00
Monthly Savings
$4,453.22
Before Budget
$3,521.49
New Payment
$194.00
Monthly Savings
$3,327.49
Before Budget
$5,723.78
New Payment
$374.00
Monthly Savings
$5,349.78
Before Budget
$5,536.16
New Payment
$394.00
Monthly Savings
$5,142.16
Before Budget
$1,931.73
New Payment
$434.00
Monthly Savings
$1,497.73
Before Budget
$1,816.05
New Payment
$394.00
Monthly Savings
$1,422.05
Before Budget
$1,075.59
New Payment
$365.00
Monthly Savings
$710.59
Before Budget
$782.62
New Payment
$294.00
Monthly Savings
$488.62
Before Budget
$2,190.37
New Payment
$1,194.00
Monthly Savings
$996.37
Before Budget
$708.00
New Payment
$394.00
Monthly Savings
$314.00
The figures in this table are from genuine client outcomes. The selections were taken at random and are not intended to represent or guarantee that other clients will achieve the same or similar outcomes. Each result is dependent on a range of factors.
Great guy, very easy and helpful to navigate through all the steps 👍
I spoke with Jacob and Casey and I have to say I am blown away from their customer service. If you see my reviews, you know I am an honest and sometimes brutally honest reviewer. I am genuinely impressed with how they have made me feel very comfortable in what feels like the toughest and most sensitive topic to discuss. I am very grateful and I already feel so much relief from my situation and like I can start to enjoy life again.
Keanue was an absolute lifesaver during my process! As a young adult, I was nervous about being judged for my financial situation, but Keanue was completely understanding and never made me feel anything but supported. He was professional, approachable, and took the time to explain everything clearly. I truly appreciate his judgment-free approach and genuine willingness to help. I couldn’t recommend him more!
All i can say is that these guys are amazing. They have lifted a huge weight off my shoulders. With just 2 phonecalls and within 1 week my debt repayments were consolidated to 1 repayment thats affordable. Cant thank you guys enough!! Huge thanks to Pat and Casey!!
I’ll like to thank Chloe @ lauren
I was in a stressful situation with my finances
Spoke with chloe help me with my situation
Lauren my case manager fantastic
Chloe @ Lauren
Thankyou
I recommend just budget for financial support just give them a call
Keanue was amazing and very helpful on the phone. Explained everything thoroughly and made me feel at ease. Give these guys a call if you need assistance as they are amazing!
Keanue and Tom were straightforward but kind, non judgmental, empathetic and were transparent up front on what your fees were which are very reasonable. Not to mention professional and efficient and had me on a payment plan that day. Thank you Keanue and Tom – you are both amazing.
The team at Just Budget have been incredible. Kind, empathic and understanding. Their support has been vital to ensure I was able to take the next steps in my financial journey without fear. I cannot thank them enough!
Keanue was so amazing at explaining everything I needed to which made me feel at ease as I was really sceptical about the whole thing thank you again Keanue for putting up with all the questions
Matt
Keanue from just budget was great and professional thank you for explaining everything clear to me I will recommend to others 😊
Keanue from Just Budget was so lovely to deal with he was brilliant so friendly , understanding and down to earth . Would definitely recommend him ! Thank you so much for helping me
Keanue was so lovely, very easy to talk to and very understanding and not judgemental at all. He deserves a pay rise!
Keanue was amazing. Highly recommend speaking with him if ever needed. Friendly and professional
Keanue did a great job very far very good at explaining what’s going on
Keanue was absolutely amazing. His non judgmental ways made me feel so comfortable to talk to him. He put me straight at ease and would recommend keanue to everybody.
Keanue was great to speak to, very clear with what the process is and showed compassion and understanding,
Keanue was a GEM and a half and I would recommend him to everyone. Was very straight forward and didn’t hide anything. Answered every single question I had and making sure we were on same page the whole time
I have been dealing with KABIR he is FANTASTIC!!! Supportive, understanding and listens to my concerns without any type of judging. Would definitely 💯 recommend Kabir 😊 thank you so much !!! No longer feel stressed and am much happier. Great 👍 job . From Val Clark
Chloe was lovely and helpful. She made the process easy and non judgemental and listened to make sure she could help in anyway, thank you.
Chloe was so friendly. I actually felt comfortable discussing my finances with her and never felt like I was being judged at all.
She also made things clear to understand which helped tremendously.
Thanks for getting back to me so quickly. I’m now close to finalizing everythingy happy dance has begun
I spoke to Chloe about the services available, very clear communication and helpful options to choose between. I’m glad I contacted them online, found a solution better than I was looking for.
Chloe was extremely understanding and showed compassion for my situation.
Very happy with this service
I had no idea what I was doing, worried id have to pay my debts separately which is why id been falling hard in debt. But she helped explained how they could support me was straightforward and well spoken very patient thankful for thw help .
Chloe was fantastic she explained to me things to expect and did not pressure me into anything thanku
Chloe was non-judgemental and extremely helpful, coming up with a plan that will suit me and what I can afford.
This helps us understand what you can afford so you can get the best debt management solution possible.
This will be on your terms, based on what you can afford. You will only pay us moving forward.
With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!
The first thing to remember is don’t panic. It’s easy to get overwhelmed when you have debt collectors demanding sums of money you don’t have.
At Just Budget, we want to reassure you that there is always a way forward.
The first step is to understand where your money goes, how much you owe and how much you can afford to pay while still keeping a roof over your head. This is why our free budget planner is a great starting point. You can do this alone, or with a consultant on the phone.
Next, we can analyse this data to get a clear picture of what to do moving forward. This budget forms part of the proposal we send to creditors, enabling us to negotiate reasonable and fair payment terms, taking the stress off your shoulders.
Absolutely not. Our goal is to help you get back under control and to put you into the driver’s seat of your finances.
We take transparency very seriously, so while we will manage your debts on your behalf, you will still be kept in the know every step of the way.
Once your debt is being managed and in control, you can get back on with life.
The last thing we want to do is to impact your credit future in a negative way. Our informal debt arrangement is a way to manage debt without taking the drastic step of a Part 9.
We will never push you towards a Part 9 Agreement without exploring other options first.
While Part 9 Debt Agreements can be an excellent option for some people, it certainly is not the only solution available, and it is definitely not our first option for our clients.
We recommend taking advantage of our free online budget planner to give you an idea of your full financial situation.
Alternatively, you could call or apply with Just Budget from the start, and we’ll do it with you.
Next, you need to get your debts in order. Applying for debt support with Just Budget is the easiest, most time-efficient, and best-value solution. We will do everything for you and support you every step of the way.
However, if you would like to start out on your own, it’s a good idea to prioritise your debts, starting with your home and essential bills:
If these are getting the better of you, you can always call creditors and request help with financial hardship.
There is a National Debt Helpline with a step-by-step guide to assist with prioritising your debts.
If this is too much to deal with, Just Budget will support your debt management plan to get you back to financial freedom.
If you qualify, a debt management plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.
