As well as helping you with the NILS application process, NILS providers will generally look at your overall finances and give you suggestions of other services that may assist you. For example, they may notice that you're eligible for concessions you're not receiving, or that you're paying more than you need to in bank fees. They may even refer you to a service that will assist with the cost of the item or service you need!
If $1200 isn't enough money, NILS providers can also offer Low Interest Loans of up to $3000 which, as per their name, have very low interest rates. It's usually a little harder to qualify for these as they are externally assessed, and your credit history will be checked.
If you aren't eligible for a NILS loan, your provider will refer you to a financial counselling service or another community service that may assess you for other types of assistance.