Free help

If the numbers feel too big, talk to someone. These services are free, independent and used to hearing about debt. None of them pay us, and we don’t pay them.

Debt advice

• StepChange

  A debt charity. Free advice online or by phone, and help working out what to do next.

• MoneyHelper

  Free, impartial money guidance, backed by the government.

• Citizens Advice

  Free advice on debt, benefits and much else, online, by phone or in person.

• National Debtline

  A free debt advice line run by a charity, with self-help guides.

At university? Your students’ union or student support team will have a money adviser too.

If money worries are getting to you

Debt and mental health feed each other. It’s common, and it helps to say it out loud to someone.

• Mind

  A mental health charity, with information on money and mental health.

• Samaritans

  Someone to talk to, any time, day or night. Call 116 123 for free.

If you are in danger right now, call 999.