My name is Joel, I’m 14 years old and I live in New Zealand . My family migrated from Malaysia to NZ to find better living and to give me and my older brother better education so we could succeed in being doctors in the future. We’ve been living in NZ since 2008. We’re in a really tough situation right now due to financial problems and we don’t know what to do. Would you be able to help us in out on our financial problems?