Add our 60-second debt test on your website
For anyone with money worries our 60-second debt test could be their first step towards understanding their debt problem.
Adding the test to a web page is easy – simply request the 'embed' code to use on your site. Our test is fully responsive and mobile optimised.
What is the 60-second debt test?
A 60-second debt test is a quick, simple tool that tells a person if they're showing signs of a debt problem. It then gives straightforward advice on their next steps. It can be the wake-up call a person in trouble needs to get debt help.
Here's how it will look on your site:
Answer 5 quick questions to find out what you should do next.
Be honest – this will just be between us, and we will not record any of the answers you give.
Do you use credit, loans or an overdraft until your wages or benefits come in?
Have you been making minimum repayments on debts or even missing repayments on them?
Have you received any charges for late payments, or fees for your overdraft recently?
Are you currently using credit cards to cover your repayments?
Have you been using credit to pay your household bills? Or have you fallen behind on paying them?
Things are looking pretty good
No need to worry, things are looking pretty good
From what you have told us, you do not have a debt problem.
Make sure you keep on top of your money. You can use ourbudgeting guidesto get started. This will help if you are falling behind with payments.
If you′re worried about money, don′t wait to come back to us forfree and impartial debt advice. We are here to help you whenever you need us.
Get debt help now
You should act now to avoid bigger problems later
From what you have told us, you may have a debt problem. No need to worry, there is a lot you can do. And taking action now means you start to sort it out quicker.
You can get debt advice online at any time. We will not share your details with anyone.
Get debt help now
Or, if you are not ready to get help right now, use ourbudgeting guides.
It looks like you need help with your debts
From what you have told us, your debt has become a problem. You may be worried about this, but we can help you.
Get debt advice online at any time. We will not share your details with anyone.
We will help you to create a budget. This will show you how much you can afford to pay towards your debts. We will also help you deal with the people you owe. And we will recommend ways to start to sort out your debt.
We are here for you online 24/7. If you need to stop and come back later, that is fine.
Get debt help now
You need help with your debts
From what you have told us, your debt sounds a big problem. You are probably worried about this. We can help you.
Get debt advice online now. You can switch to the phone if you want to talk with someone. Either way, we will not share your details with anyone.
We will help you to create a budget, which will show you how much you can afford to pay towards your debts. We will also help you deal with the people you owe money to. And we recommend ways to start to sort out your debt.
We are here for you online 24/7. If you need to stop and come back later, that is fine.
Get debt help now
Sarah
"It didn't matter how many times I re-worked my finances - I would just keep overspending. I just kept telling myself that I had it all under control, but my debts were creeping up over time."Sarah′s story
Jamie
"I hid it from my friends because I didn't want to be judged. I didn't want to seem like that person who didn't know how to handle money."Jamie′s story
Carol
"When I found StepChange Debt Charity, they didn't want anything from me except the truth. When I spoke to the first advisor on the phone I was in a bit of a state, but she made me feel a lot better and that I wasn't being judged in any way, which made a huge difference."Carol′s story
John, Greater Manchester
"StepChange don't judge you. They're here to help. I feel a lot less stressed thanks to them."
Beth, Devon
"The service has been amazing, I feel a massive weight off my mind and no longer worry about my finances."
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