Repaying debt when you're not on a benefit

If you're not getting a main benefit but you are getting other payments, such as Childcare or Disability Allowance, any money you owe us won't be taken from these payments. You can pay your debt off in a lump sum or with weekly payments at an amount you can afford.


If you can't afford repayments right now, please get in touch with us so we can help you look at other options.

Repayment guide

The table below is a guide to weekly repayments based on the amount you owe.

Debt amount less than $2,000 $2,000 - $3,500 $3,500 - $5,000 $5,000 - $6,000 $6,000 - $8,000 More than $8,000
$25 a week $30 a week $35 a week $40 a week $45 a week $50 a week

You should pay smaller debts (under $2,000) within a year. Larger debts may take longer.

You need to talk to our Client Support - Debt Management team about what you can afford to pay each week. Call them on 0800 558 008.

When you call, they'll ask you:

  • your contact details, eg address, phone and email
  • about your income
  • about your expenses
  • if you have any dependent children.

You may be asked to provide proof.

  • How to pay your debt

    There are several ways you can do this, including if you're overseas.

  • Keeping track of your debt payments

    It's a good idea to keep track of how much you owe so you can budget for weekly deductions.

    You can do this using MyMSD

    You just need your client number to access this.

    MyMSD shows your total debt, a breakdown of the money you owe and what it's for eg an advance or one-off payment. It also shows your repayments.

    If you don't have access to MyMSD, you can Call us

  • If you don't pay your debt

    We will try several times to contact you about your debt.

    If you don't respond, we will seek to get the money back in other ways.

    To find out your current circumstances, we compare information with other government agencies, eg Inland Revenue. There are legal steps we can take which allow us to recover your debt by making deductions from your wages or bank account without your consent.

    Your debt won't go away

    If you ignore your debt, this may affect how much financial help you get from us in the future.

    Talk to us so we can help you to work out a payment plan.

    We don't charge interest or impose penalties.

  • If you're struggling to pay your debt

    It can be difficult paying back debt. Talk to us if you're having trouble keeping up with repayments. We may be able to help by reducing the repayments or the frequency. Call us on 0800 558 008 or email

  • Tell us about any changes

    If you change your address and contact details or go overseas, phone our Client Support - Debt Management team on 0800 558 008 to let them know.

    If you have a new job, let them know beforehand so they can arrange for repayments to start with your new employer.

  • If you disagree with how much you owe

    Call us if you think the amount you owe is not right. We'll look into this and explain how we made this assessment and correct any mistakes.

    If you still disagree you can ask for a review of decision

  • Contact us

    You can contact us by email at

    If you need to talk to us urgently, you can call us on 0800 558 008. You can find more information about how to contact us and our opening hours at Contact us - Debts.