A multi-carrier communications system with a programmable interleaver and de-interleaver that can change the interleaving rate for data transmitted and received in the communications system is presented. The programmable interleaver and de-interleaver permits a level of flexibility in determining the immunity of the communications system to errors and sources of interference. The multi-carrier communications system is able to vary the interleaving rate based on input from a user or from data that it maintains from actual network performance. The multi-carrier communications system can change the interleaving rate during the initial installation of the multi-carrier communications system or whenever the system is reset or restarted or on any individual transmission unit.