Financial Counselling Services

Financial Counselling

Free Financial Counselling Services

Moving out of home? Buying a new car? Got your first credit card? The UOW Financial Counselling Service will support you to stay on top of your finances. The service is free and confidential. 

Desiree, our financial counsellor, is looking forward to talking to you. 

Please make an appointment via:


Phone:  02 4267 6600 or 0455 098 237 for appointments.

Location: Mission Australia, 71-77 Kembla Street Wollongong NSW 2500

Take the free Gong Shuttle and exit near the Wollongong Council building. From there it is only a few minutes walk to the corner of Burelli & Kembla Street. 

The service is provided by Mission Australia and funded by the Student Services and Amenities Fee. 

What is Financial Counselling?

Watch this video to find out more and see how they can help you.  



Read some examples of how Desiree was able to assist other students: 

Make your money go further
Jenny juggles the responsibilities of being a student, a mum and a part-time worker. She wanted to speak to someone who could look at how she was managing her money and evaluate whether she was doing the maximum with the minimum wage and brainstorm ideas.
Action/Outcome: We set up a family budget and reviewed various spending areas to allow for random expenses that always seem to pop up. Implemented the ‘Track My Spend App’and a special bank account set aside for special occasions.

Re-negotiating loans and debt

Jane, a fulltime UOW student found her-self unwell, homeless with debts to pay and no way to meet the payments on her car and credit cards.
Action/Outcome: Desiree was able to immediately organise hardship variations on all loans that lifted the financial burden immediately. These arrangements gave Jane three months breathing space to sort out her accommodation and stabilise her income situation.

Dealing with creditors

Nick had a car accident and unfortunately had no insurance. This led to incessant creditor calls for unrealistic weekly repayments and increased stress and anxiety for Nick.
Action/outcome: Desiree advised Nick of his rights and that he could report unacceptable creditor behaviour to ASIC. He didn’t have to put up with multiple calls and intimidation. Desiree organised for all collection calls to be directed to the financial counselling service and a moratorium on repayments for three months. Desiree was able to negotiate with the creditor direct on behalf of Nick.

Free Legal Services

If you are facing legal issues related to your financial difficulties, please see the Student Legal Clinic site for information on the free services available to students.

Last reviewed: 3 November, 2016
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Student Services & Amenities Fee funded