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).
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We help you deal with debt in a manageable way
We help thousands of people become debt free every year. Our team of experts offer free, flexible debt advice to anyone who needs it.
We have spent the last thirty years:
- Helping people take control of their finances
- Giving practical help
- Supporting clients for as long as they need
We have
30 years
of experience
In 2023 we helped
17,456
clients become debt free
In 2023, our clients repaid
£341 million
to their debts
Debt happens. Let's deal with it.
Debt gets treated like a dirty word.
But what if together we clear up the stigma?
What if we stop avoiding the subject and shine a light on what it's really like?
Debt's a part of life, pretending it doesn't exist, won't make it disappear.
But admitting when it's a problem is a step in the right direction.
We know because we've been here for thirty years and we'll continue to be.
StepChange is a not-for-profit independent charity.
Putting people first is what we do.
So we offer free, and impartial advice for anyone worried about debt.
No matter who you are or how you're feeling, we can help you take action.
Debt happens. Let's deal with it.
Visit stepchange.org
Authorised and regulated by the Financial Conduct Authority.
Help us make a difference
We are always looking for for talented people to join our team.
- Take a look at our latest job openings or
- Find out more about working with us
Browse jobs
Our advice process
We follow a simple, three-step process to deal with debts:
- We work out your budget by looking at:
- Your income
- Your spending
- Your debts
- Is affordable
- Suits your situation
- And offer support whenever you need it
How we are funded
Most of our funding comes from voluntary donations by creditors, including:
- Banks
- The government
- Loan companies
This support keeps us helping thousands of people every week by:
- Campaigning to prevent problem debt
- Training our advisors
- Offering expert advice
- Managing repayment plans
- Supporting people through a process to become debt free
This is only possible thanks to the donations we receive.
Our promise to clients
- We tell you about every debt solution available to you
- We support you with any debt solution that could help you
- We recommend solutions when you can afford to repay your debt within 10 years
- We recommend an insolvency option if you cannot pay your debt in 10 years
- You can choose the solution that best meets your needs
