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60-second debt test. Try our debt checker.

If you're worried that you 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.

 
 

What our clients say about us

"Thanks for helping me keep my home and happiness...I was desperately worried. Now I can feel confident about the future."
- Karl, West Yorkshire

Read about the lives we've changed»

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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.

*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 2018