Hardship Hub
Hardship Hub: A focused web workspace for building, tracking and distributing hardship arrangements. Ranked #19 of 23 in Debt Management Software by our editors (7.0/10); pricing: Paid; best for counsellors managing creditor hardship plans.
At a glance
- Editor score7.0 / 10
- PricingPaid
- Best forCounsellors managing creditor hardship plans
- Free planNo
- Facts checked20 Sep 2026
Where it wins
- Calculates proposed payments using income and expenditure information
- Tracks 21-day creditor responses for each account
- Collects one monthly payment and distributes it to creditors
Where it doesn't
- Paid service with no free plan
- Web-only access
- Consumer applications are pending licence finalisation
Our verdict on Hardship Hub
Hardship Hub is an Australian web platform for coordinating temporary financial-hardship arrangements involving unsecured consumer debts. It is designed for financial counsellors who refer clients, prepare structured proposals, monitor creditor responses and track payments. Consumers can use the online application and supporting-document wizard to provide financial information, while creditors receive written proposals with reasons and payment-distribution workflows. The product brings assessment, proposal preparation, response tracking, collections and distributions into one workspace.
Its strongest area is the end-to-end hardship-plan workflow. Hardship Hub uses income and expenditure information to calculate a proposed monthly payment based on HEM, then supports written proposals to multiple creditors. Each account has a 21-day creditor-response tracking period, giving counsellors a defined way to monitor progress. Dashboards cover plans and payments, while structured proposals, written reasons and audit trails support organized case records. This makes the product a fit for teams that need creditor tracking and a counsellor workspace rather than a general budgeting tool.
The pricing structure is paid and is organized around two fee types. The application fee includes the financial assessment, plan preparation and the first round of creditor proposals. A transaction fee applies when a payment is sent to a creditor; skipped months and removed creditors do not incur that fee. The platform is web-based, and its controlled, pre-launch operation means consumer applications are pending licence finalisation. Counsellors seeking a focused process for temporary hardship arrangements should find the feature set aligned with that work. Teams needing a free plan, a broader platform footprint or an already-open consumer application flow should choose an alternative.
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Hardship Hub pricing
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Hardship Hub fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Debt account limit | Not verified |
| Payoff strategies | Not verified |
| Balance tracking | Not verified |
| Creditor tracking | Yes |
| Counselor workspace | Yes |
| Mobile apps | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Support | Email, Phone |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Pricing | Paid (source) |
| Website | hardshiphub.com.au |
| Facts checked | 20 Sep 2026 |
Alternatives to Hardship Hub
- Undebt.itA flexible debt planner for people who want strategy comparisons, schedules, and balance tracking.9.4
- Debt Payoff PlannerA low-cost debt planner with flexible payoff strategies and progress tracking.9.2
- PayoffA mobile debt planner with broad strategies, coaching, and scenario tools.9.0
See all Hardship Hub alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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