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).
60 second debt test logo

Take the 60-second debt test

Have you got 60 seconds? We’ll help you find out in just one minute if you need help with your debts.

Take our online debt test

Debt is small word, but it can be a big problem, and it can get bigger the longer you wait to deal with it. We can help you cut it down to size.

Starting the conversation about debt might be the last thing you want to do. To make this easier, spare a minute to answer five simple questions.

This will help you understand how close you are to having a debt problem. Whatever you’re dealing with, we’re here for you. If you do need our help, get in touch and we’ll guide you through what you need to do next.

If your situation is filling you with dread, answer 5 quick questions to find out what you should do next.

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Be honest – this will just be between us, and we′ll not record any of the answers you give.

Do you use credit, loans or an overdraft until your wages or benefits come in?

Have you been making minimum repayments on debts or even missing repayments on them?

Have you received any charges for late payments, or fees for your overdraft recently?

Are you currently using credit cards to cover your repayments?

Have you been using credit to pay your household bills or fallen behind on paying them?

Things are looking pretty good

Don′t worry, things are looking pretty good

From what you′ve told us, you don′t have a debt problem.

Make sure you keep on top of your money. You can use ourbudgeting guidesto get started. If anything changes and you can′t pay your bills as easily in the future, this will help you.

If you′re worried about money, don′t wait to come back to us forfree and impartial debt advice. We′re here to help you whenever you need us.

Get debt help now

You should act now to avoid bigger problems later

From what you′ve told us, you may have a debt problem. Don′t worry, there′s lots you can do. And taking action now means you start to sort it out quicker.

You can get debt advice online, and switch to the phone if you want to talk with someone. Either way, we won′t share your details with anyone.

Get debt help now

Or, if you′re not ready to get help, make sure you keep on top of your finances. You can use ourbudgeting guidesto start.

It looks like you need help with your debts

From what you′ve told us, your debt has become a problem. You may be worried about this, but we can help you.

Getdebt advice online now, and you can switch to the phone if you want to talk with someone. Either way, we won′t share your details with anyone.

We′ll help you to create a budget. This will show you how much you can afford to pay towards your debts. We′ll also help you deal with the people you owe money to and recommend ways to start to sort out your debt.

We′re here for you online 24/7. If you need to stop and come back later, that's fine.

Get debt help now

You need help with your debts

From what you′ve told us, your debt sounds a big problem. You′re probably worried about this. We can help you.

Getdebt advice online now, and you can switch to the phone if you want to talk with someone. Either way, we won′t share your details with anyone.

We′ll help you to create a budget, which will show you how much you can afford to pay towards your debts. We′ll also help you deal with the people you owe money to, and recommend ways to start to sort out your debt.

We′re here for you online 24/7. If you need to stop and come back later, that's fine.

Get debt help now

Sarah

"It didn′t matter how many times I re-worked my finances - I would just keep overspending. I just kept telling myself that I had it all under control, but my debts were creeping up over time."Sarah′s story

Jamie

"I hid it from my friends because I didn′t want to be judged. I didn′t want to seem like that person who didn′t know how to handle money."Jamie′s story

Carol

"When I found StepChange Debt Charity, they didn′t want anything from me except the truth. When I spoke to the first advisor on the phone I was in a bit of a state, but she made me feel a lot better and that I wasn′t being judged in any way, which made a huge difference."Carol′s story

John, Greater Manchester

"StepChange don't judge you. They're here to help. I feel a lot less stressed thanks to them."

Beth, Devon

"The service has been amazing, I feel a massive weight off my mind and no longer worry about my finances."

More clients' stories

Ready to get help?

We're here to help you whenever you're ready. Tell us about your income, spending and debts and we'll recommend way to deal with your money worries.

Get help online now
Rebecca Mid Glamorgan

"I felt like I had a life again and had a huge weight lifted off my shoulders."
Rebecca, Mid Glamorgan

Couple sat on the sofa

"A big thank you to Stepchange for not judging me and for all your assistance and support."
Brendan, Stirlingshire