Compare each retailer’s eligibility rules, payment plans, bill matching or debt assistance, energy efficiency support and protections from disconnection. Ask whether the program offers a personalised repayment arrangement and what happens if your circumstances change, as support varies by retailer and state or territory. The retailer must assess your situation under applicable hardship rules, but joining a program does not necessarily wipe existing debt. You can compare plans through Energy Made Easy and contact your retailer’s hardship team; if you need help understanding your rights, your state or territory energy ombudsman may assist.