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).

How we help

We help thousands of people each week to deal with their debt problems and get their lives back on track

Get debt help online now

We have been providing free, expert debt advice for 30 years. No matter the size of your debt, we can help.

  • Complete the whole debt advice process online without picking up the phone
  • We are here to take your call if you prefer to speak to someone

We will:

  • Look at what you need
  • Give you an action plan designed just for you
  • We do not share your information or tell anyone we are helping you - unless you ask us to

What is debt advice?Find out here.

3 steps to getting help

We know you have a lot on your plate. We try to keep it simple.

1. Tell us you and your money

Tell us about your debts, income and spending to help you create a budget.

2. Explore your options

We use what you tell us to give you an action plan. This shows how you can deal with your finances.

3. Choose your debt solution

We help set up your solution and support you through the process.

Our debt solutions and services

We offer a wide range of debt solutions and services to suit different needs. Read more about them below.

Asking for help can be hard.

Are debts causing you stress? Do you feel you never have the time?

Whatever the barrier, let’s deal with it together.

Find out more here

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Income maximisation

Find out how to increase your income and reduce spending.

Money advice

Calculators and tools

Find out about benefits you are missing and if debt consolidation is for you.

Debt calculator tools

Debt happens. Let's deal with it.

Debt gets treated like a dirty word.

But what if together we clear up the stigma?

What if we stop avoiding the subject and shine a light on what it's really like?

Debt's a part of life, pretending it doesn't exist, won't make it disappear.

But admitting when it's a problem is a step in the right direction.

We know because we've been here for thirty years and we'll continue to be.

StepChange is a not-for-profit independent charity.

Putting people first is what we do.

So we offer free, and impartial advice for anyone worried about debt.

No matter who you are or how you're feeling, we can help you take action.

Debt happens. Let's deal with it.

Visit stepchange.org

Authorised and regulated by the Financial Conduct Authority.

Feefo - 10 years of proven Trusted service

Frequently asked questions

We have helped millions of people deal with debt problems since 1993.

We do not think anyone should pay for debt advice.

  • We are a charity
  • We do not charge
  • We comply with Financial Conduct Authority rules

Getting advice from us will not affect your credit rating.

In fact:

  • No-one has to know you asked for help
  • You can choose not to tell us your name
  • We never make you pick a solution

We are here to support whatever you need.

Ready to get help?

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Excellent, sympathetic company."

"A very helpful company at the end of the phone. You don’t feel alone When you get in touch with them. They put your mind at rest."

Anne, Feefo Review