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Get free advice on how to deal with your debt online from the UK's leading debt charity
Read reviews from debt management plan (DMP) clients to find out how StepChange helped them with their debt.
Worried about money? Use our online tool to get free debt advice tailored to your situation. Get help now.
"Great free debt charity. This is a great free debt company, I didn’t know about StepChange at first and I was paying a different company which was not benefiting my situation as money was going to the company and to my debt which I felt my debt was going nowhere, but now with StepChange all the money I pay is going to my debts as they are a free charity, wish I knew about them sooner."
"Absolutely amazing help. StepChange are so friendly and understanding, I would highly recommend or encourage anyone who needs advice or help with debt to contact them asap, they have been absolutely amazing for me. I was previously with another company and they took a lot of fees every month. These are completely free and all the money you pay goes straight towards your debts. I can’t say how thankful I am to have had them help me."
"Happy with my DMP. StepChange is free and so will save you 1000's over the life of any DMP. The staff are very competent. I had no issues setting up the plan, plus you can easily make amendment if you made a mistake, so that you can get the correct plan that suits your financial needs."
"Great service & it’s free! Great service, very helpful and friendly and completely free! No judgement from anyone and they will do everything they can to help you, don’t think you have to pay for this service / I switched to StepChange from a paid DMP provider and I’m very happy!"
"So glad I took that first step. It was such a relief when I spoke to StepChange. Dealing with debt can be so stressful and scary and confusing. Stepchange explained my options thoroughly and answered all my questions. I have a debt plan and all my creditors are happy. It is so easy to pick up the phone and get help. I would totally recommend and have done. Now I can pay off my debt and have none of the stress."
"A supportive and reassuring approach. I have had clear guidance right from the start. Not just guidance but support to go through my debt issues step by step and being reassured at every stage. While this is early days, my debt plan is now in place and already I feel I can manage and breath and not be panicking and stressing and worrying each month."
"Life Changing. What an excellent charity StepChange is. First of all every member of staff have been excellent, understanding, helpful and for me, personally, because of the financial mess I was in they reassured me. I thought the set up process would be daunting but I found it clear and straightforward and didn't take long at all. For anyone in financial difficulties the I can't recommend StepChange enough. It's has made my life stress free and has taken all my financial worries away. Thank you StepChange."
"Life saving. The stress of debt was quite literally suffocating me. It was making me feel sick and I couldn’t sleep. Without exaggeration I was suicidal and had lost the will to carry on. I truly believe Step Change has literally saved me and I’ll be forever grateful to them. I’d recommend them to anyone who’s suffering from the stress of overwhelming debt. Not only to listen without judgement but to talk you through step by step on what your options are and even contacting your debtors for you."
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"Very helpful, professional and efficient. Highly skilled advisors who empathise and always provide simple understandable solutions to complicated financial situations. Their guidance was invaluable in navigating my debt issues. The team took the time to thoroughly assess my financial circumstances and offered tailored advice that made a real difference. I appreciated their non-judgmental approach and how they explained complex concepts in easy-to-understand terms. StepChange's free service is a lifeline for anyone struggling with debt, and I would highly recommend them to others facing financial difficulties."
"Exceptional in every way. The most incredible service I have received from anyone for anything ever. Everyone I have spoken to has been so kind and understanding, efficient and absolutely knowledgeable about situations like mine and what options are available. The website is great and the application process really user friendly. I have gone from absolute despair to having a clear route to being debt free and the knowledge I can get there whilst still having a reasonable budget to live on. Thank you so much everyone at Stepchange, you are quite literally saving lives by offering desperate people a debt free future and a life worth living in the meantime."
"Brilliant service and help. Brilliant service, stopped my sleepless nights and constant worry. They made it so easy to understand and how quick everything was completed was amazing. I can now breath again knowing that my debts are getting paid and I have money to budget all my others bills. Can’t thank you enough."
"Kind and compassionate service. Amazing! Everyone I have dealt with has shown genuine kindness and compassion. They explain things in a way that is easy to understand. Staff are happy to talk through your options in detail and there is no judgement. I wish I had used them sooner."
"The service is excellent. They helped me to work out a budget so that I can pay of my debt and still live life. 👍"
"Confidence that I can pay off my debts. Extremely helpful in enabling me to feel I have a better understanding of how I can pay off my debt in a reasonable time period whilst still enabling me to live within the budget they helped me to construct. StepChange's use of the internet is very helpful, enabling me to check my debt details and make alterations, if required. Working with StepChange has given me confidence that I am on the right path to paying off my debts.”
"Unexpected immediate good practical help. At first enquiry I received unexpected, incredible practical support plus advice and help and the encouragement to go ahead immediately to sort out my problem. It included a detailed budget that I could understand and put into daily use. The worry has now receded and I have confidence that I can manage to get by adequately."
"Take the step and never look back! Zero Stress! Professional, patient & helpful! StepChange are fantastic to deal with. They patiently look at your budget and ensure that you have everything you need including a hobby allowance. No stone is left unturned! All available repayment options are fully explored. Fast support if your situation changes. Caring team that truly understands your situation! 100% recommend!"
"StepChange helped me take control of my debts in a quick and easy manner. I was in a major bad place with my finances, StepChange have helped me manage to take control of my debts by setting up a debt management plan, this is currently ongoing but has taken the stress away and can now focus on other things in life. Any questions you may have will be answered by them and you are not judged. If you are in a similar position as I was in, don't hesitate to get in touch with them."
"Credit Card Debt. I reached out for assistance as I’d generated a sizeable amount of debt across multiple credit cards. I was keen to break the cycle of more and more borrowing and chose StepChange to help with that. I feel much more in control of my finances and can see a debt free future."
"In control. Service was excellent, completed online which was easy if there was anything I was unsure of I phoned them and they were a great help and were able to put my mind at ease. I now feel in control of my finances and a lot of the worry has gone, I would highly recommend them don't suffer in silence."
"Transformative Support from StepChange. Faced with mounting debts and a lack of financial management skills, we found ourselves in an incredibly stressful situation, feeling trapped with no way out. However, thanks to StepChange, we are now on the path to regaining control over our finances and experiencing a significant relief from the burden we once carried."
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