Can I get help if I suffer hardship?

Yes. If you suffer unforeseen hardship and cannot reasonably keep up your repayments, you can apply to us to vary the terms of your loan. This could be due to illness, injury, loss of employment, the end of a relationship, or another reasonable cause. Learn more about Unforeseen Financial Hardship in New Zealand. ​Learn more about Unforeseen Financial Hardship in Australia.