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Use our online tool to get tailored debt advice in around 20 minutes.

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Breathing Space scheme formally announced

We’re delighted that the government have confirmed how a Breathing Space scheme and statutory debt repayment plans, something we’ve campaigned on for a long time, will work. Read our Chief Executive’s blog on the announcement.

Our debt solutions

Debt management plan (DMP)

A DMP helps you repay your debt at an affordable rate by making reduced monthly payments. Available UK-wide.

Debt relief order (DRO)

A DRO is an option if you have few assets & a low income. Available in England, Wales & Northern Ireland.

Bankruptcy

Bankruptcy helps clear debt, but has serious implications. Also called sequestration in Scotland.

Equity release

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

IVA

An IVA is a form of insolvency that writes off some of your debt. Available in England, Wales & Northern Ireland.

Minimal assets process (MAP)

MAP bankruptcy could be an option to write off debts if you have a low income and few assets. Scotland only.

Protected trust deed

With a trust deed, make lower payments for four years. The remaining debt can then be written off. Scotland only.

Debt arrangement scheme

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


Take control of your finances now

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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.

MoneyAware

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