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StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (14714 reviews)

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4.95

Based on 14,714 reviews, last reviewed 22nd Dec 2025

82% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Peace of mind I was in a deep problem of my debt and couldn't find a solution especially with war in my country Sudan and family commitments I was struggling until ... Read more Reviewed on: 22nd December 2025

Latest lowest rating:

2

My payments are not aligned with the date required b... My payments are not aligned with the date required by the credit card which cased major attention on my credit rating report Reviewed on: 23rd June 2025

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About this product

Read or write Step Change debt management reviews from the Smart Money People community. if you're considering using Step Change, read our reviews from people like you to decide whether it's the best product for you. Our reviews come from people who have used the product, so can offer some great insight as to whether it's good or bad. Been a Step Change debt management customer in the past? Write a review today and help others!

StepChange Debt Management reviews (14714)

Review of the StepChange, Debt Management:

StepChange has changed my life.

For me help and support from StepChange has been life changing. As a result of ill health, advancing years and the major ongoing consequences of the Covid Pandemic on my work opportunities I found myself entering a downward spiral where I was trying to maintain everything I was used to with a dramatically reduced income. In no time at all I had run up debts just to cover genuine living expenses, certainly not to fund any frivolous, extravagances. I exhausted all of my savings trying to financially survive and to service the obscene rates of interest applied to overdrafts and credit cards. I realised fairly early on that this situation was dangerous especially when I was buying just about everything including essentials such as groceries on credit cards. I knew I had to do something about this situation but I experienced an unexpected paralysis where I couldn't face up to what I regarded as a personal failure knowing full well that it was unsustainable and only going one way. Then, purely by chance, I had a conversation with someone who had been in a similar position and who had changed their life by contacting StepChange and following their recommendations. I did the same, but even then it took me a while to come to terms with my perceived failure and finally document my exact financial position. StepChange did not judge, they just helped. Once everything was out in the open and a Debt Management Plan was instigated, my life changed. Everything they suggested made sense and was all based in common sense and probably most importantly was affordable and based on actual income. Gone were the endless sleepless nights punctuated in the darkest hours with worries about debt and the dread of yet another notification of rate increases and the endless manipulation of debt by transfer to a 0% card offer which only temporarily relieved the critical issue. I had also tended to shoulder the true extent of my predicament as I didn't want to worry my family. My home life improved as we could suddenly all see beyond this crisis and realise that there is a way to deal with this huge black cloud over your life. StepChange has helped me to restart my life again for which I am very grateful, and to come to terms and deal with all that has dragged me down for the last few years. I no longer have any Credit Cards or Overdrafts. Reviewed on: 27th May 2025

Peace of mind

I was in a deep problem of my debt and couldn't find a solution especially with war in my country Sudan and family commitments I was struggling until my friend told me about step change Reviewed on: 22nd December 2025

The staff are very friendly and take your hand guidi...

The staff are very friendly and take your hand guiding you through the legal jargon. Reviewed on: 7th November 2025

From start to finish and throughout the whole proces...

From start to finish and throughout the whole process I felt supported and understood without judgement, Reviewed on: 4th November 2025

Lifeline

I was at my wits end when I heard about Stepchange. They were so kind and supportive. A felt a whole weight lift as my budget was now manageable. It’s taken a few years but now I’m debt free Reviewed on: 21st October 2025

Customer Service

Always very helpful never had a bad experience Reviewed on: 17th October 2025

Really helpful and they don't make you feel your a b...

Really helpful and they don't make you feel your a bad person Reviewed on: 16th October 2025

I completed my DMP this morning with Megan.

I completed my DMP this morning with Megan. Megan and Angela are very professional, kind and helpful. We went through it and it's all been sorted out. I am waiting for Megan's email showing my DMP. I am due to pay my 1st installment sometime in October and my direct debit to StepChange for my creditors starts on 01/11/2025. Thank you to everyone at StepChange for helping me sort out my debts especially Megan and Angela who I highly recommend, Kind regards and take care everyone, Mark Haynes Reviewed on: 26th September 2025

Supportive staff

They were supportive and they took their time and explained everything to me. They gave me the opportunity to decide whether this was the best decision for me regarding my debt. I get a statement every month via email and I have access to my account. They’re very helpful, and helpful. Very informative and professional Reviewed on: 7th September 2025

A huge impact on helping our family in difficult times

The process is simple, they help you look at the options and potential outcomes. Their advisors are caring, helpful and professional. Overall they made a huge impact on my families life. I cannot thank or recommend them enough. Reviewed on: 7th September 2025

Continue to deal with accounts in a sensitive and pr...

Continue to deal with accounts in a sensitive and professional manner. Reviewed on: 6th September 2025

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