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).

Welcome to online debt advice

You're about to start your StepChange online debt advice session. At the end of the session we'll recommend a solution tailored to your situation, to help you deal with your debt.

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What will I need?

Your debt details

Who your debts are with, how much you owe and if you're behind on any payments

Your income details

Your wage, any benefits payments you get and any other form of income you receive

Your household spending

How much you typically spend on items like groceries, days out and unplanned repairs

Once you've told us about your finances, we'll work out your budget and debt advice tailored to your situation. If you can’t get hold of all the information right now, you can save your progress and return later.

How do I get my debt details?

  • Look through past letters
    Don't forget to check emails, SMSs and any in-app messages as well
  • Ask your creditors
    They''ll be able to give you an accurate debt balance
  • Get a free credit report online
    These are available from providers like Experian, Equifax or Credit Karma but may not always be up to date

Get started

You'll be asked to enter details about your income, spending and debts. If you can’t get hold of all the information right now, you can save your progress and return later.

We'll then give you our recommendation of a solution to help your situation, along with all your options.

  1. Our service is free and completely confidential
  2. Complete the process online or switch between online and phone
  3. Do it at a time to suit you - you can always pause and come back to it later
  4. We’ll help to set up your solution
  5. Getting debt advice won't affect your credit file or involve a credit check

Our debt advice is free, impartial, and will give you:


  • A clear view of your financial situation
  • A personal action plan
  • A recommended solution to help

Get started

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.



"I wished I had asked for help before I got in to so much debt, and was ill with stress. StepChange made me feel so comfortable."

Julia, Devonshire