Accessibility Statement
Text size:

Debt and Managing Money

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

The Citizens Advice webpage has information about debt and solutions to debt problems.

Free debt advice is available online and via telephone from a number of providers.


StepChange Debt Charity- or 0800 138 1111

Advice, budget support and solutions to help you manage your debts.


Citizens Advice Web Chat -

Free, independent, confidential and impartial debt advice through their web chat service


National Debtline -

National Debtline offers free debt advice online through its Digital Advice tool, as well as web guides, fact sheets and sample letters.


Debt Advice Foundation - or 0800 622 6121

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.


PayPlan - or 0800 280 2816

PayPlan’s online services include free, confidential online chat with debt help experts, a debt help request form, and a wealth of online resources.


To find face to face advice, a search facility is available via the Money Advice Service website on the debt advice locator webpage.

If you are struggling with your mental health, just summoning the energy to even think about tackling debt can be too hard. Similarly, being in debt can have a detrimental impact on your mental health.

The Money Saving Expert website has launched a new booklet aimed at providing debt advice, help, support and info to those people struggling with debt and mental health and the people who care for them. The guide aims to make it easier for those struggling to understand debt and the steps they can take to tackle it.

Last updated: 10/14/2020

Feedback on this page