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

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.

Homeowner advice

Deal with rising interest rates and more

Unlock your options as a homeowner

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

Get debt help from StepChange, your way

At StepChange, we've been providing expert debt advice over the phone since 1993. We saw the potential for online debt advice early on and developed the first fully-online debt advice service over 15 years ago. Since then, it's helped over 1.6 million people clear their debts.

But what's next? Well, we know that the pandemic has supercharged digital adoption and that your customers expect responsive, professional, and caring support. So, let us introduce StepChange Your Way. StepChange Your Way is flexible, free debt advice that allows your customers to seamlessly switch between our online and telephone advice channels while only having to provide their information once.

So, how does it work? We'll start by asking your customers some quick questions to understand how best we can support them. If debt advice is right for them, we'll capture the details of their debts and help them create a realistic, sustainable budget by understanding how much they may be able to afford to repay towards their debts.

At any time during the debt advice journey, customers can easily switch between channels, take a break, and continue once they're ready. And our online service is available 24/7 too, so they can use it at a time that suits them. When the debt advice process is complete, we'll give them an advice recommendation, tailored to their personal needs.

We'll guide them through the solution setup process. Whether it's a supported solution, such as a Debt management plan, or an insolvency option, such as a Debt relief order, we're here to meet the needs of your customers. And during peak times, our systems can flex to cope with increased demand.

So, start referring today. StepChange, Your Way.

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