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colleagues at event

Our 2025-30 strategy: From impact to ambition and action

Explore the Impact Report 2025

Our impact in 2025 showed the scale of need and the difference we can make. As more people turned to us online, sought guidance, and reached lifechanging outcomes, it became clear: the demand for our support is growing, and so is the opportunity to reach people earlier, faster, and more effectively.

That’s why, in 2025, we launched our new five year strategy - a bold plan that turns today’s momentum into tomorrow’s transformation. It sets out how StepChange will evolve by 2030 so we can strengthen our impact, protect those most at risk, and ensure everyone has a clear path to financial stability.

The strategy sets out what StepChange will look like by 2030 and how we plan to respond to a changing landscape to strengthen our impact and ensure we continue delivering support to those who need us most. It’s an ambitious, future-focused plan shaped around our clients, colleagues, and partners.

Our six strategic pillars and four outcomes position us to innovate, collaborate, and grow sustainably.

Our six strategic pillars

Run the charity

Proactively shape the debt policy agenda, championing the consumer voice to influence public policy, increase consumer protection, reduce vulnerability to debt, and deliver good long-term outcomes.

Read more about how we champion the consumer voice.

Reach more people who we are best placed to help, needing debt advice, support and solutions. Break down the stigma of debt, make our services more accessible and reduce the harm debt causes.

Read more about how we helped people in 2025.

We’re committed to giving clients the very best support. We’ll continue to evolve our core offering to provide trusted, expert debt advice, and we’ll work with specialist partners whenever they are better placed to help. By connecting people with organisations that can meet their needs most effectively, we empower them to move forward with clarity, confidence and strong long‑term outcomes.

Read more about our unwavering focus on long-term client outcomes.

Change the charity

Simplify and modernise our ways of working, harnessing digital tools, technologies, and processes to achieve our vision – increase our impact, improve efficiency and enrich our colleague experience.

Read more about how we are becoming digital-first.

Tackling financial stress before it turns into financial distress, through creating meaningful and measurable interventions to prevent financial issues escalating, overwhelming, or re-emerging.

Empower and enable our colleagues to deliver organisational success through a period of transformative change, equipping them with the skills to support a digital first organisation.

Read more about our commitment to people and culture.

StepChange in 2030 – our four outcomes

Unwavering focus on good, long-term client outcomes

We will empower people not just to recover, but to thrive - building lasting financial wellbeing and generational resilience.

Digital first, data-led and powered by experts

We will combine smart technology, deep insight, and human compassion to deliver seamless, personalised support at scale.

Meaningful change through our research and influence

We will shape policy, shift public understanding, and drive systemic improvements that prevent problem debt at its roots.

Financially sustainable not-for-profit organisation

We will create a thriving not‑for‑profit built for the future. One that invests boldly, adapts confidently, and ensures we can stand beside people for as long as they need us.


Explore our strategy in detail

Hear from our Executive Team as they share their perspectives on the strategy, what it means for our organisation, why it matters now, and how we’ll deliver it together.

Strategy launch at Westminster

CEO Vikki Brownridge at event

We unveiled Stepping Ahead; Destigmatising debt and powering financial resilience at a landmark event in the House of Commons, bringing together 200 partners, policymakers and supporters who share our ambition of a society free from problem debt.

Guests heard from influential voices including Emma Reynolds MP, Economic Secretary to the Treasury; Gill Furniss MP, Chair of the APPG for Debt and Financial Inclusion; and Neil Gallimore of Barclays, one of our founding partners who have supported our mission for more than 32 years.

Their reflections highlighted the challenge facing UK households and the vital role our strategy will play in strengthening financial resilience.

Lesley Titcomb CBE, Chair of Trustees, and Vikki Brownridge, Chief Executive, also outlined the thinking behind the strategy and our renewed focus for the years ahead. Their message was one of ambition, partnership and collective action: that meaningful progress happens when organisations, communities and policymakers work together.

The evening was a celebration of shared purpose, marking not just the launch of a strategy but the beginning of a new chapter.

1. Impact Report 2025: Driving Financial Resilience

Hear from our CEO, Vikki Brownridge, as she reflects on our achievements and the challenges we faced in 2025.

2. Turning connections into impact: How we helped people in 2025

Read our key stats from 2025, highlighting the different ways we have supported people facing problem debt.

3. Our 2025-30 strategy: From impact to ambition and action

An overview of our new 2025-30 strategy, including our six strategic pillars and four outcomes for 2030.

4. Driving better long-term outcomes for clients in 2025

Find out how we deliver better outcomes through understanding our clients and their individual needs.

5. Digital first, data-led, and powered by experts


Transforming our services for the future and improving our digital tools to support clients and colleagues.

6. Meaningful change through our research and influence

How we are shaping national conversations with our policy, research and influencing work.

7. Financial resilience and partnership at the heart of our impact

Strengthening our financial position and future delivery capabilities with the support of our partners.

8. People and Culture: Strengthening through change

Evolving with our strategy to nurture a culture where people feel informed, supported, valued and able to thrive.

9. Partnerships


Working with partners to deepen collaboration, share innovation, and improve outcomes for people in debt.

10. Extending Support for Households in Financial Hardship

Working with British Gas to help households in financial hardship access early support to prevent escalation.

11. Supporting Neurodivergent Customers Through Insight‑Led Collaboration with Equifax

Our collaboration with Equifax highlights challenges faced by neurodivergent people in problem debt.

12. Strengthening financial support through seamless digital referral journeys

Modernising the referral journey and improving early access to trusted debt advice with the support of Very.