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Emma C

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Review of the StepChange, Debt advice:

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If you're in debt reach out to StepChange

When I realised my debt had got completely out of hand, I panicked. The interest alone was costing me over £250 a month on top of my repayments, and I couldn't see any realistic way of paying it back without help. I had got myself into a situation that I couldn't get out of, and for a while, I couldn't see a way forward. My anxiety skyrocketed, and I could no longer stay in denial about the problem. I felt angry and disappointed in myself for allowing things to get to that point. My mental health suffered badly. I was depressed, and I didn't want to leave the house because I simply couldn't afford to. Eventually, I opened up to a friend about what I was going through. She calmly suggested that I speak to StepChange. Through her work, she had experience of the support they provide and reassured me that they were friendly, professional and understanding. I visited the website, followed the guidance and completed the forms. They responded quickly, and for the first time in a long time I felt hopeful. The relief was overwhelming. It genuinely felt like the sun had come out again and that there was finally a way out of the mess I had found myself in. I provided details of all my debts, my income and my monthly budget. StepChange helped me work out an affordable monthly payment and contacted my creditors on my behalf. They did so much of the heavy lifting for me at a time when I felt completely overwhelmed. They also gave me advice about freezing interest and charges, which gave me some breathing space and allowed me to focus on getting my life back on track. Looking for debt advice can be terrifying. There are so many worries and questions running through your mind, whether you'll be judged, whether you'll be scammed, or whether you'll somehow end up paying even more. If you're struggling financially, I would encourage you to look into getting help. Reaching out to StepChange was one of the best decisions I've made. Repaying debt isn't easy, but I've adjusted to living within a budget. I owed over £17,500, and StepChange arranged a Debt Management Plan with affordable repayments of around £400 per month. I am incredibly grateful for the support, guidance and kindness they have shown throughout the process. I'm now two years into a three-year Debt Management Plan, and this time next year I will be debt free. Looking back, I'm so thankful that I asked for help when I did. I honestly don't know where I would be without this charity. If you or someone you know is struggling with debt, please don't suffer in silence. Help is available, and things can get better. Reviewed on: 4th June 2026

Emma C

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