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StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (14713 reviews)

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4.95

Based on 14,713 reviews, last reviewed 7th Nov 2025

93% 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

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

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!

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StepChange Debt Management reviews (14713)

They saved my life-literally!

At the age of 51 i was made redundant & for the first time in my life found myself unemployed. After raising my child alone in poorly paid work i had accrued around £30k debt! We lived a frugal lifestyle however i lived in the country & needed a car for work, it would need repairs, that would go on the credit card till the end of the month, then the washing machine or something would break or my daughter would need shoes so it accrued. Working it out over the years the actual total debt minus the snowballing interest was around£7/8k!! I knew i was being made redundant & contacted my creditors to try & arrange a payment freeze or a payment plan until i got on my feet; this was met with a stone wall of i had to default & then they would send debt collectors or bailiffs! I, understandably, was distraught & when my job finally ended, suicidal-luckily one of my creditors mentioned Step change. Step change really did save my life, they explained it all to me & i arranged a DMP once i had a new job three months later the wage was a third of my previous wage so it was going to take me until i was nearly 70 to pay off. Step change kept me reassured when two of the debts were sold to debt collections agencies & they themselves were happy to deal with Step Change. When the bank id been with for 35yrs since i was 16 put the interest up from around £18 a month to almost £100 a month because i was paying less!!, Step change recommended the ombudsmen, i fought the case, lost, appealed & then won & the interest was stopped. They were there on the end of the phone for help & reassurance. Over the past five years, i have retrained & ended up in a fantastic job with an equally fantastic wage, as my wage grew, Step change helped me adjust my budget & pay more every month without leaving my core living expenses short. Last month, o received a bonus at work & made a final payment & now am finally debt free for the very first time in 30yrs! I can honestly say if this service did not exist, i probably wouldn't either as they compassionately helped me out of a black hole i could see no way out of. Reviewed on: 22nd July 2021

Excellent, sympathetic service.

Stepchange are always helpful, non-judgemental and have great empathy with their clients. They take a great weight off one's shoulders Reviewed on: 22nd July 2021

Helpful with excellent customer service

Helped to create a realistic budget for a debt management plan. They informed creditors of proposed affordable payments. They also discussed with me the available options outside of a dmp. Advisors are really helpful and friendly. Reviewed on: 22nd July 2021

Amazing , helped me so much

They made me life easier. Less stress and sorted everything. Reviewed on: 22nd July 2021

Simply amazing service

Words can not describe how much this organisation has helped me.. keep up the good work Reviewed on: 22nd July 2021

You are protected

with Step change debt charity they are always there to help people with debt, You feel very secure even you are trouble with debt ! Always there to listen to your problems and give us straight answer and they reply email straight back. You feel at home!!! Thank you for your kind help Step change !!! Reviewed on: 22nd July 2021

Life changing

After a messy heartbreaking divorce left with unimaginable debts , stepchange allowed me to breath again! Helping me rebuild a new life without pressures of creditors effecting my mental health and family life now as a single mum amazing support , knowledge and confidence from the company I never had any worries with my new financial situation as it was easy to keep updated and gave me so control back Reviewed on: 22nd July 2021

Very well organised brilliant staff

Did not know when I was bombarded with letters from the deters but step change helped me Reviewed on: 22nd July 2021

Without stepchange

Without Stepchange I dread to think where I would be now. From my first contact they help me cope with my debts but also help me out of a deep abyss infact they may have helped save my life. Thankyou so much stepchange. Reviewed on: 22nd July 2021

Amazing and very good company to help poor people

Always when i ring to Step change there not gonna leave me without help, Reviewed on: 22nd July 2021

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