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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

88% 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)

Peace of mind from now on

Step change has been amazing advising and supporting us every step of the way. Thank you so much! Reviewed on: 8th July 2020

Excellent Help

After many years of suffering debt from an ex partner, I found Step Change and what huge lift it was. The person who guided me through my budget and made me feel at ease has helped me sleep and live again. Will forever be thankful for this service. I have recommended Step Change to friends & family. Reviewed on: 8th July 2020

Helped me, when i thought no one could.

I ran up debts of approx £61,000. At the time i could afford the repayments, but when i looked at a projection of these debts, when my special offers on Credit Card transfers, etc. expired, I was horrified at what my new outgoings per month would be. I had also become very ill and any additional income stopped too. As i saw what was about to happen, i contacted National Debtline, but due to the amount i owed, they would not help me. I thought i was heading for the courts, but then i found Stepchange and they completely turned my life around. We had a conversation to dicuss my income and outgoings and how much i could afford to pay my creditors. I set up a plan with them and after just 1 year, my debts were down to £56,000. They have also alowed me a couple of months at a reduced payment, as i had to carry out some household problems and get my car repaired after it was hit in a car park. They really are so helpful and understanding. Even during this Covid-19 crisis, they understood that i had to pay much more for my food, as it had to be delivered and asked me to revise my plan for a while, to allow for the additional costs. I cannot thank them enough! Reviewed on: 8th July 2020

Great service and has literally changed my life

I was drowning and didn’t know what to do until I set up my DMP with StepChange - they have been understanding and supportive even during the pandemic and uncertainty that came with that. I’m so happy to have found StepChange Reviewed on: 8th July 2020

Very helpful,

Always a shoulder to lean on. Talk you through the budget, makes life easier and always have a peace of mind knowing that the debts are under control. All threatening letters stop coming through and the creditors receive the amount you can afford due to the step change instructions. Will always recommend them as they are free of charge. Reviewed on: 8th July 2020

Saviours

I had no idea someone like StepChange existed. And someone can help take the stress away when credit mounts and struggling to juggle. It is hard to admit you need help and Stepchange guide through everything and once a payment plan is in place you know where you are up to. I would not even have a doubt to recommend Step change and spread awareness as I’m sure there are many people like myself who may have sought help sooner if they knew about them. All of the team are professional polite and after 8 years of communication I can’t thank them enough. Reviewed on: 8th July 2020

Absolutely lifted the weight from my shoulders

I was knee deep in debt... I thought I could handle the monthly payments but my outgoings were piling up. In tears I went to Stepchange and within a phone call they completely lifted the heavy weight I was experiencing. I was feeling like such a failure but Stepchange never judged me. Only helped and reassured me things will improve with time. They’re truly there to help you. They set up a monthly plan for me and made sure I could afford to eat, rent, petrol for work etc...and they contacted my debtors. In just over a years time I’ll be debt free thanks to Stepchange. I 100% recommend you make the same call I made to them 5 years ago. I was really struggling hard, in tears all the time but Stepchange helped greatly. I still took responsibility for my debts and paying back every penny but with Stepchange it’s done stress free. So you can live every day without anxious worrying. Relieve yourself from the heavy weight and make that call. Reviewed on: 8th July 2020

Making The World of Difference

I was unfortunate enough to find myself in need of help with my financial in 2019 and when all looked bleak, it helped to learn and know about the help StepChange can offer. From first discussing your issue with them up to starting a plan with them, it is all seamless and flawless too. I would have been lost without them and they deserve all the best in this world. Reviewed on: 8th July 2020

Fantastic

Easy to talk to, always helpful, always listen, explain things in plain english, you can't get any better Reviewed on: 8th July 2020

Best Debt Management Company.

Step Change Is One Of The Best Company To Help People Manage Their Money Effectively.I Surely Recommend.Staff are Knowledgeable And Friendly. Reviewed on: 8th July 2020

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