We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).

We help you deal with debt, for as long as you need it.

We help thousands of people become debt free every year. We know dealing with debt is different for everyone and taking the first step can be stressful.

Our free debt advice and support service eases the pressure by giving help that is clear, straightforward and tailored to you. We are here to help. Just like we have been for over 30 years and counting.

In 2024, we helped

15,180

clients become debt free

Our clients repaid

£367 million

to their debts

We helped identify

£9.1 million

extra income with our benefits checker

Read our 2024 impact report

Annual Report and Accounts 2024

To understand how we work and our financial performance in 2024, read our full Annual Report and Accounts.

Download the report

Our impact in five years’ time

Our new five-year strategy sets out how we will continue to adapt so that we are able to support everyone who needs our help.

In five years’ time we will have added further value to our clients, partners, funders and colleagues:

  • Better long-term outcomes for people who need help
  • Better outcomes for partners and funders
  • A thriving organisational culture
  • An increased ability to deliver positive influence and policy change
Find out more about our Strategy

Debt happens. Let's deal with it.

Debt gets treated like a dirty word.

But what if together we clear up the stigma?

What if we stop avoiding the subject and shine a light on what it's really like?

Debt's a part of life, pretending it doesn't exist, won't make it disappear.

But admitting when it's a problem is a step in the right direction.

We know because we've been here for thirty years and we'll continue to be.

StepChange is a not-for-profit independent charity.

Putting people first is what we do.

So we offer free, and impartial advice for anyone worried about debt.

No matter who you are or how you're feeling, we can help you take action.

Debt happens. Let's deal with it.

Visit stepchange.org

Authorised and regulated by the Financial Conduct Authority.

Free debt advice you can trust

Our flexible debt advice service is available online whenever you need us, backed by our expert advisors.

  •  Free, non-judgemental advice and support
  •  Available online 24/7
  •  Start, pause and come back to it at a time that suits you
  •  Tailored advice and support that helps you in the long-term
  •  No impact on your credit score

Find out how our free debt advice works.

The difference our advice makes

We help thousands of people deal with debt problems every year.

We never judge and will help you every step of the way.

How we make a difference

Help us transform lives every day

We want passionate and dedicated people to join our team.

Look at our latest job openings or find out more about working with us.

Browse jobs

Become a partner

We partner with a broad range of organisations including other charities, banks, and utility providers to reach out to people when they need it most.

We cannot do this alone. Find out more about becoming a partner.

Partner with us

Campaigning for you

Problem debt is much more than a personal issue. It damages families and ruptures communities.

Our policy team uses our clients’ experiences to make the evidence-based case for changing regulation, law and practice.

See our campaigns

Here is what some of our clients had to say...

Tina on Feefo says:

"An all-round excellent service! I have spoken to various people at StepChange and every single one of them has been so helpful, friendly and understanding. I'd recommend them to anyone who is having any problems with debt."

Carl on Trustpilot says:

"StepChange has been absolutely amazing! From the minute I contacted them they helped with everything from sorting out the debts and producing my income and expenditure to dealing with the companies and working out a manageable payment scheme for me. I am now on my last payment and will be debt free in only 7 months, ready for a worry-free summer."

John on Feefo says:

"The help you need for the worst times. StepChange took a very difficult decision I had to make and made it easier. They created the plan and talked through the process without judgment. If I can give anybody who’s struggling with debt one piece of advice, the feeling of having your life back on track when you start the process is massive."

Read more client reviews

Find the right help for your situation

Take two minutes to answer a few simple questions and find the best help for you.

Get help now

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.