In terms of your overdue student loan debt, if you don't want to go bankrupt in NZ, and you have suffered because of Covid-19, now could be a really good time to apply for hardship.
Hardship is principally assessed on your current financial situation, and if you are one of the millions for whom this is bad, then your chances of success have increased. It may be difficult to deal with the student loan debt when so many other urgent matters need to be dealt with, but right now may be the best chance you have had for a long time, and dealing with it will take some of the stress off.
Other resolution options like a lump sum offer/penalty write off or bankruptcy, may also be easier to deal with at the moment. Please email us if you need help.