Financial issues

If you’re in financial stress, several options are available. A financial counsellor can help you to budget and work out a plan to manage your finances. To find a counsellor in your area, call 1800 007 007 or visit Financial Counselling Australia (FCA).

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Dealing with debt

If you are struggling with debts, such as your mortgage or credit card bills, talk to your credit provider about your financial situation and your options. These may include:

  • extending the time you have to repay the debt
  • reducing or pausing repayments for a short time
  • changing to interest-only repayments for a specified period
  • renegotiating your interest rate.

If you’re not satisfied with the response you receive, you can complain through the free external dispute resolution scheme run by the Australian Financial Complaints Authority.

If you’re having trouble paying your utility bills, such as electricity, gas, water, phone or internet, talk to your provider. They can help you find ways to avoid disconnection and penalty fees.

For more information about dealing with debt and other financial matters, visit the Australian Securities and Investments Commission’s consumer website at

For more on this, see our Dealing with debts fact sheet.

Accessing superannuation

If cancer causes financial issues, talk to your superannuation fund about applying for an early release of your superannuation savings on the grounds of severe financial hardship. Before you decide to access your super early, get financial advice about how this will affect your retirement and find out whether there are any insurance policies attached to your superannuation account that you could claim on.

For more on this, see our Superannuation and cancer fact sheet.

Applying for government benefits

Centrelink offers a range of payments that may be available to people with cancer, including Sickness Allowance, Mobility Allowance, and the Disability Support Pension. You may also be eligible for the Pensioner Concession Card or the Health Care Card, which can reduce your expenses. Centrelink benefits may be income and asset tested or have other eligibility requirements. Medicare also has reimbursement programs for people who need certain medical supplies, such as breast prostheses and continence aids. For more information and to check eligibility requirements, visit or talk to your social worker.

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Instructions for downloading and reading EPUB files

Apple devices

The iBooks application must be installed on your Apple device before you can read the EPUB.
Different ways to download an EPUB file to your Apple device:

  • email EPUB files to yourself and transfer the attachment to iBooks.
  • copy EPUB files into DropBox (or a similar service) and use the DropBox app to send them to iBooks.
  • open EPUB files directly from Mobile Safari and open them in iBooks, where they are saved automatically by downloading the EPUB from the website.

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To download an EPUB file to your Kobo from a Windows computer:

  • download and save the EPUB directly onto your desktop.
  • connect your Kobo to your computer using the USB cable and tap “Connect” on your eReader.
  • select “Open folder to view files” to view the contents of your Kobo.
  • navigate to where you have stored your EPUB file in “Finder”, in documents or downloads, and drag and drop it into the Kobo window. You can now disconnect your Kobo to read the eBook.

To download an EPUB to your Kobo from a Mac:

  • download and save the EPUB directly onto your desktop.
  • connect your Kobo to your computer using the USB cable and tap “Connect” on your eReader.
  • open your “Finder” application.
  • select “Kobo eReader” from the listed devices to view the contents of your Kobo.
  • navigate to where you have stored your EPUB file in “Finder”, probably in documents or downloads, and drag and drop it into the Kobo window. You can now disconnect your Kobo to read the eBook.

Turn on your Kobo and your EPUB will be located in “eBooks”, while a PDF will be located in “Documents”.
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Sony Reader

To download an EPUB file on your Sony Reader™:

  • ensure you have already installed the Reader™ Library for PC/Mac software
  • select the eBook you want from our website and click the link to download it.
  • connect the Reader™ to your computer.
  • open the Reader™ Library software and click “Library” in the left-hand pane and select the eBook to view it.

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Amazon Kindle 2nd Generation devices

EPUB files can’t be read on the Amazon Kindle™. However, like most eReaders, Kindle™ 2nd Generation devices are able to display PDFs. We recommend that you download the PDF version of this booklet if you would like to read it on a Kindle™.
To transfer a PDF to your Kindle™ via USB cable from your computer or Mac:

  • download the PDF directly onto your computer.
  • connect the USB cable to your computer’s USB port, and the micro USB end of the cable to your Kindle™. Note: the Kindle™ won’t be available as a reading device while it is connected to your computer until it has been disconnected.
  • open the Kindle™ drive and several folders will appear inside. The “Documents” folder is where you will need to copy or drag the PDF to.
  • safely eject your Kindle™ from your computer and unplug the USB cable. Your content will appear on the Home Screen.

Kindle also provides a Kindle Personal Documents Service that allows users to send documents as an attachment directly to your eReader. For more information on this service, visit
For more information on accessing a PDF on your Kindle™, visit, log in to your account and click on Personal Document Settings.
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Android and PC

You can also download and open eBooks on Android devices and PCs with appropriate apps or software installed. Suitable eReader apps for Android include Google Play Books, FBReader and Moon+ Reader. Suitable software for PCs include Calibre and Adobe Digital Editions.

This information was last reviewed in June 2019
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Cancer information

What is cancer?
How cancer starts and spreads

Dealing with the diagnosis
Common reactions to a cancer diagnosis and how to find hope

View our publications
Guides and fact sheets for people with cancer, their families and friends