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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

"Thank you so much to Stepchange. They really are fantastic. Just shy of £5k worth of debt now gone. I can't thank the teams there enough for helping me get this sorted."
- Matthew, Yorkshire

Read about the lives we've changed»

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We are the UK’s leading debt management charity with an award winning IVA company.

  • No upfront feesThe costs involved in running your IVA will be taken from your monthly payment. We do not charge for advice.
  • Expert advisorsOur expert advisors will be on hand to offer help and advice throughout your IVA.

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 2018