Write a review

StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (14624 reviews)

View other StepChange products

4.95

Based on 14,624 reviews, last reviewed 15th Jun 2025

166300% increase in 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Helped with my debit. Helped with my debit. Customer service very good they explain exactly what you have to do and help you along the way if you need it. Reviewed on: 15th June 2025

Latest lowest rating:

2

Not impressed It's handy to have just one payment for my debts but the customer service is extremely poor and has caused more stress. They treat you like a number r... Read more Reviewed on: 10th June 2025

Read all reviews See your review

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 (14624)

Review of the StepChange, Debt Management:

Non judgemental advice regarding debt

A first class service from start to finish, with wise, kind, knowledgeable staff to guide people through the misery of debt, with the goal of managing finances to be debt free. They were a lifeline to me, in the darkest of times. Reviewed on: 5th June 2020

You literally saved my life !

You literally saved my life !! After a long drawn out divorce I was left a single parent of 3 and the debts from the divorce cost plus more were overwhelming for me and I couldn’t think of a way out. Also not being able to have anymore ‘credit’ has helped me re-train my spending habits. Reviewed on: 12th June 2025

Down but not out

Im a 40 year old single male , due to circumstances beyond my control I am currently living with my parents having lost the roof over my head mainly down to my poor decision making when it came to my finances. I have been in debt for over 6 years , As result of those debts I have suffered with anxiety and depression until I reached my lowest point and considered taking my own life . In the beginning I tried to sort my cash flow problems myself , initially I borrowed from friends who are no longer friends . I then turned to various payday loan companies without really looking at the small print and the interest rates they charged in the end I was signed up to 9 different companies I was taking out loans to pay off previous loans , Next I stopped paying bills , council tax , energy bills the only bill I did pay was my rent , in the end I had no money to feed myself properly , Then the letters started coming, at first I contacted the senders and agreed to repayment plans that I knew I couldn't afford , then came court letters in the end I stopped opening the mail altogether . I even cut off contact with my family I did not want anyone to know the mess I was in . In the end my relationship with my partner failed after I had given up my flat to move in with her. It was because of this break up that my parents became involved . Firstly my father dragged me to the doctors who wanted to Admit me to a psychiatric ward for my own safety , but may father persuaded her to allow me to go under his care rather than the hospital. the doctor agreed and my father promised that he would ensure that I turned up for future appointments . thanks to an understanding doctor and my parents I avoided becoming homeless and on the streets . My father pointed out that the one thing I had in my favour was the fact that I still had a job . Over the next month or so my father opened all my letters to find out that I was over £30.000 in debt, he discovered however that certain companies had sold my debt on it took him a further month to find out who actually held my debts by the time he had phoned every single company I owed money to he discovered my debt was only half of what he first thought but for me still a massive amount of money and I could still not see a way forward . Due to my mental state , my father said he would help but only if I agreed to hand over the handling of all my finances to him to manage until my debt was cleared. It was then that he told me about Step Change , he explained that it was a charity that did not charge for helping anyone with their finances. Together we phoned step change and after filling in a few forms explaining my circumstances A Debt management plan was drawn up for me according to my circumstances . I was told that there are different plans depending on individual circumstances . when I saw my plan I saw that I had a definite time line and that in my case it would be 3 years to clear the debt , it also left me with money to live off and believe it or not a small savings plan . Im fortunate that my parents have allowed me to stay with them for as long as it takes but I still pay my way with them and realise I should have told them a lot sooner. Yes I have lost everything , but I have learned a valuable lesson. there is help and support if you know where to look , sometimes it's right under your nose . Im a year into my debt management plan and have been able to commit to a monthly payment to step change and I have actually increased that payment this year . All the letters have stopped , My health is much improved , and I am still able to live my life stress free , by the time I complete my step change journey My small amount of savings will be next step to getting my life back on track . If you read this I hope it inspires you to taking that first step to change your life and get back on track. Reviewed on: 12th June 2025

The helper

I was in a position where I don’t know what to do anymore and stepchange was there for me,helping me to arrange with my creditors. A big thank to them. Reviewed on: 12th June 2025

Professional, caring and treated me with empathy.

Professional, caring and treated me with empathy. I felt relieved of their support, they helped me to turn things around in a manageable way. I highly recommend their services. Reviewed on: 12th June 2025

Extremely helpful & understanding.

Extremely helpful & understanding. Have really supported me in my journey to become debt free. Reviewed on: 12th June 2025

With you every step of the way (pun intended)

Finished an IVA about a year ago with this company, emergency expenditure and furlough delayed things. But SC were there every step (pun). Always at the end of the phone when needed. Reviewed on: 12th June 2025

Really helped me out , thank you

Really helped me out , thank you Reviewed on: 12th June 2025

Caring patient and non judgement at step change

Absolutely fantastic company excellent staff on the phone, friendly understanding patient caring helpful non judgemental just what you need when you're frightened anxious and worried about debts makes it so much easier to reach out Reviewed on: 12th June 2025

They have really helped and supported me through the...

They have really helped and supported me through the difficult journey of dealing with debt. Would not have managed without them. Reviewed on: 12th June 2025

Stepchange is a life saver.

Stepchange is a life saver. it helps to focus on managing money. Because it connects to lenders and helps arrange manageable payment terms. It certainly lessen stress levels. I would have been in a much worse situation without the help of Stepchange. Reviewed on: 12th June 2025

Do you have a different StepChange product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Debt Collection
from Advanced Collection Systems 1.00 from 4 reviews
Debt Solutions
from Abacus 4.56 from 5 reviews
Debt Solutions
from PayPlan 4.94 from 22308 reviews

Want to see more from StepChange?

Mortgage Broker
from StepChange 5.00 from 6 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub