The cost-of-living crisis is becoming a permanent challenge for charities across Australia. Photo: Lukas Coch/AAP PHOTOS

In 20 years on the frontline of charity services, Tairyn Vergara says she has never seen anything like the current demand for help from desperate families.

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"Families are really, really struggling," says the chief executive of Parks Community Network in western Sydney.

"We have a lot of people seeking no-interest loans for things like car registration and repairs, but they simply do not have the $30 a fortnight needed for repayments, so we unfortunately can't give

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