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60-second debt test

Find out in one minute if you need help with your debts

Try our online debt checker

If you're worried you may need help with your finances then you should try our 60-second debt test.

By answering a few simple questions we'll be able to tell you if you need debt advice. Answer the questions below and we'll help you understand how close you are to having a debt problem and suggest what your next steps could be.

Answer 5 quick questions to find out.

It shouldn't take more than a minute to understand more about your current financial situation.

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1

Do you usually go up to or over the limit on your cards or overdraft?

2

Have you borrowed more money to cover your debt payments?

3

Have you considered or applied for a debt consolidation loan recently?

4

Are you having issues paying your household bills?

5

Have you borrowed following job loss, illness or an upheaval in your life?

Things are looking pretty good

You're not showing any of the five danger signs of a debt problem.

We always encourage you to stay on top of your finances. To help you avoid debt problems in the future, we recommend signing up to our regular MoneyAware email, offering tips and advice on getting the most out of your money.

Sign up to MoneyAware

Not too bad

You've hit one of the five danger signs of a debt problem. While your finances might not be a bed of roses, you may be able to avoid a debt problem if you're careful and budget well.

You can choose whether you want to use our online debt advice tool to help you manage your money and your debts through a personalised budget.

Get debt help now

Or if you're doing OK, sign up to receive our regular MoneyAware email, for tips and advice on getting the most out of your money.

Sign up to MoneyAware

You may have a problem

You're displaying two or three danger signs, like many of our clients when they first get in touch.

Try our online advice tool for free and impartial advice. We'll help you create a detailed budget and you'll receive a personal action plan to deal with your debts.

Get debt help now

It sounds like there's a problem

Based on your answers it looks like you've got a debt problem and you're struggling financially. We'd recommend using our free online debt advice tool to create a detailed personal budget. We'll then provide you with a personal action plan to help you deal with your debts

Get debt help now

Talk to our advisors now 0800 138 1111
(Mon-Fri 8am-8pm, Sat 8am-4pm). Free from all landlines and mobiles.

John, Greater Manchester

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

Richard, East Anglia

Words can hardly describe how great a service StepChange do, I feel like my life has improved so much thanks to the help they provide.

Jessica, Gwent

They've helped me so much! Can't thank them enough.

Brendan, Stirlingshire

A big thank you to StepChange for not judging me and for all your assistance and support.

Beth, Devon

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

Need to get in touch?

We're here to answer all your questions about managing your debts.Contact our friendly team by phone, email or live chat.

Find out how to contact us

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