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).

Are you worried about money?

You're not alone.

We've teamed-up with Co-op to help make sure you get the advice and support you need to take control of your finances.

Get debt help now

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Don't let money worries keep you awake at night

With the rising cost of living and the challenges of modern life, it's easy to fall behind with regular bills. And it's not always easy to find the help you need to get back on track.

We're here to help you with practical advice and support. As the UK's leading debt charity we provide the most comprehensive, free debt advice service in the country. 

StepChange Debt Charity and Co-op are pleased to be working together, offering support to help people with their finances.


Who are we?

We're the UK's leading debt charity. We provide the most comprehensive debt advice service in the country, and our help is free, personalised and confidential.

In 2018, we helped 650,000 people with their debts. And since we began in 1993, we've helped 5 million people to take control of their debts - and their lives.

What do we do?

With the rising cost of living and the challenges of modern life, it's easy to fall behind with regular bills. And it's not always easy to find the help you need to get back on track.

We're here to help you with practical advice and support. As the UK's leading debt charity we provide the most comprehensive, free debt advice service in the country.

Why choose us?

Our advice is completely free 
And all our debt management plans are fee free, meaning 100% of the money you pay goes towards your debts

Our advice is designed to help you
We put your interests first, whether you use our online tool or speak to our debt advisors

Our advice is confidential and non-judgemental
We're here to support you, whatever the reasons for your debt problems

With more than 25 years' experience, you can be confident that we can provide the advice and support you need to achieve long-term financial control. We help thousands of people like you each week by taking an independent and non-judgemental look at your finances.

How does debt advice work?

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1. Tell us about
your finances

Give us details of your debts, income and household spending.

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2. We work out
your budget

Now you'll have a clear picture of where your money goes.

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3. You get free 
debt advice

Read your personal action plan
for detailed and practical advice.

"I thought I'd lose everything."

When Jamie lost his job, his debts quickly began to pile up. Find out how we helped him.

Jamie's story

Not sure if you need our help?

Take our 60-second debt test and we'll tell you if you could benefit from the advice of our experts.

Take the test

Take control of your finances

Today’s the day you take back financial control and reduce your debt stress, with hints and tips from our MoneyAware blog.

Make the most of your money using our expert advice on boosting your income, saving money, and setting yourself a budget.

We've got the answers to all your money questions...and some you'd never think to ask.

Go to MoneyAware