Rural Financial Counselling Service (RFCS)

​​​​​​ The Rural Financial Counselling Service provides free rural financial counselling to a range of clients, including dairy farmers, who are suffering financial hardship. Contact details for counsellors across Australia are below. The Australian Government has recently announced an additional nine Rural Financial Counsellors in Victoria, Tasmania, South Australia and New South Wales to work in areas impacted by the drop in dairy prices.


​​​​​​​​​​​​​​​​​The Rural Financial Counselling Service (RFCS) provides free rural financial counselling to farmers, fishing enterprises, forestry growers and harvesters, and small, related businesses who are suffering financial hardship. There are 12 service providers across Australian that employ rural financial counsellors to assist clients in need across Australia. The RFCS Programme is funded by the Australian, State and Northern Territory Governments.

How to access the RFCS

Rural financial counsellors are a mobile workforce who come to you. They can:

  • help identify your financial and business options
  • help negotiate with your lenders
  • help you develop an action plan
  • help support you to access the Farm Household Allowance (FHA)
  • give you information about government and other assistance schemes
  • refer you to accountants, agricultural advisers and educational services
  • refer you to Department of Human Services and to professionals for succession planning, family mediation and personal, emotional and social counselling.

Rural financial counsellors do not provide family, emotional or social counselling or financial advice—but they can provide referrals and information.

The counsellor will provide financial options and support to help you make the right decision for your business.

Find a rural financial counsellor

To get the details of your nearest rural financial counsellor, sel​ect your state below or phone 1800 686 175.

Summary of changes to boundaries and services

​Boundaries have changed for the RFCS Programme in New South Wales, Victoria and Queensland from 1 April 2016 as illustrated in the maps below.

If you are a client and your counsellor changes, your existing counsellor will discuss this matter with you first.

  • NSW PDF [1.4 MB]
  • VIC PDF [886 KB]
  • QLD PDF [628 KB]

RFCS administration

RFCS service providers should adhere to the RFCS 2016 to 2019 Grant Guidelines.

Information for RFCS providers and their staff is provided under RFCS administration resources through a password protected sharepoint web page.

Contact details

Rural Financial Counselling Service
Department of Agriculture and Water Resources​
GPO Box 858
Canberra ACT 2601

Email RFCS
Call 1800 686 175 for queries relating to the RFCS programme ​​​ ​ ​​​​​​​​​​ ​ ​​​​​

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