Hi

http://www.simplesavings.com.au is full of stories of how people have got out of debt.

You could also contact your local community health centre, legal centre or community information centre to find a financial counsellor. They will give you unbiased info about how best to get out of trouble.

Hopefully, if you ever get to the point of investing in property, your own experiences will make you a better landlord (for example, you’ll make sure that whoever is renting from you isn’t paying more than 30% of their net income in rent).

Best wishes

e.