Dealing with debt

We know that managing debt problems can be difficult and it’s sometimes hard to find help or see a way out. StepChange can help you to get a clearer view on what to do and how to get the help you need.

Having constant worries about debts causes stress for many people. If it gets too much, did you know that you can apply for breathing space? Breathing Space is a government scheme that gives you a break of up to 60 days to allow you to look for support to find solutions to your debt.

• Understand your options for dealing with debt
• What is Breathing Space and how to apply

Benefits help

It’s often the case that you can claim support in the form of government benefits to help with your financial situation. But many people either don’t know that they may be eligible for benefits or have never tried to find out. Use the StepChange benefits calculator to help you find out what you might be entitled to.

If you owe money back for overpayment of benefits or tax credits, you can find help here.

• Benefits calculator
• Benefits debt management

Credit card repayments

Credit cards are a useful source of credit for many people. However, if you find yourself struggling to make repayments on these or other types of cards, you need to look for help to manage the debts. Your card company should be able to help, but StepChange also have all the information you need to make the right choices.

• Learn more about Credit Card debt

Debt consolidation

Bringing some or all of your debts into one loan can help alleviate your financial situation. If you are thinking of combining existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. But debt consolidation doesn’t work for everyone which is why StepChange can guide you in making the right decisions about consolidating your debts.

• Is debt consolidation right for me?