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.

Our service is free and completely confidential
You can do it anonymously and at your own pace
We’ll help to set up your solution
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

"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

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