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Debt Advice Provider of the Year 2019

We're delighted to announce we've been named Debt Advice Provider of the Year 2019 at the Credit Strategy Awards. We've been recognised for our vital campaign work for statutory 'Breathing Space'.

Our debt solutions

Debt management plan (DMP)

A DMP helps you repay your debt by making lower monthly payments. Available UK-wide.

Debt relief order (DRO)

A DRO could be an option if you have few assets & a low income. Available England, Wales & NI. 


Called sequestration in Scotland, bankruptcy helps clear debt, but has serious implications.

Equity release

Free advice on equity release, and mortgage advice. Available UK-wide.


A form of insolvency that writes off some of your debt. Available England, Wales & NI. 

Minimal assets process (MAP)

If you have a low income & few assets, MAP could be an option. Available in Scotland.

Debt arrangement scheme

A DAS debt payment programme helps you repay at an affordable rate. Available in Scotland.

Trust deed

Make lower payments for 4 years. The remainder can then be written off. Available in Scotland.

Online debt advice Get free, personal debt advice

  • Tell us your income, spending and debts
  • We work out your budget
  • You get your personal action plan

Get debt help now

Returning to Debt Remedy?

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Join over 11,000 people who have successfully completed our 7 Days, 7 Ways programme.

Impact Report 2018

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Our Impact Report 2018 looks at how we're delivering against the charity objectives we set out in our four-year strategic plan.

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We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service website.

Our debt tools

60-second debt test Answer five simple questions and find out if you need debt advice.

Debt consolidation calculator Is debt consolidation right for you?

Equity release calculator Find out how much equity you could release.

Online benefits calculator Make sure you’re getting all the benefits you’re entitled to.


How to get your credit report
Get a full picture of your finances.

Can I pay my credit card off quicker?
Only paying the interest can keep you in persistent debt.

How I went from 36k in debt
Lisa put her debts behind her with our help.

Visit our money management and budgeting blog for more tips and advice.

Partner with StepChange Debt Charity

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With the support of your organisation we can help more people struggling with debt to access free advice and solutions.

Find out more about becoming a partner with us

Money advice and tips by email

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Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2019