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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18646 reviews)

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4.92

Based on 18,645 reviews, last reviewed 24th Jun 2026

188450% increase in 5 star reviews

in the past 90 days

1600% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Step Change get my life back on track. Step Change get my life back on track. Step Change worked out what i can afford. Very grateful for all the support and the advises from the advisors a... Read more Reviewed on: 24th June 2026

Latest lowest rating:

1

You can not get in touch over the phone unless it’s... You can not get in touch over the phone unless it’s early morning or you are in luck, meaning it would be time off work to call. When I have got throu... Read more Reviewed on: 22nd June 2026

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About this product

StepChange offer free and impartial advice to people who want to be free of debt.

The StepChange team will take time to understand your situation and then give you tailored advice based on your circumstances. StepChange can support you through a wide range of debt solutions including debt management plans and IVAs.

StepChange debt advice reviews help you find out what it’s really like to be a customer. If you’ve used StepChange before, you can also leave a review and share your experience.

Awards

Company of the year 2025

Awarded to the consumer credit company rated highest in customer reviews.
Best financial support provider 2025

Awarded to the financial support provider rated highest in customer reviews.

StepChange Debt advice reviews (18646)

Review of the StepChange, Debt advice:

Dare to hope,!

I have been very ill with cancer. During my treatments I took my eye off the ball as the saying goes. Was too ill to deal with post and many many calls from people demanding money. I was becoming paranoid about the phone,the postman. Well debts don’t go away I didn’t know where or who to turn to, my life was such a mess, I was even contemplating ending it all. A friend came here and said why don’t we ring Stepchange the debt charity. I had nothing to lose but from that very first call, they made me feel like we can sort this out together and took me through every single step. Every person I spoke with was efficient,nothing was too much trouble, kind and compassionate. Made me feel like perhaps I could live a life. Am not the only person this happens to. Quite a bit of paperwork which I found daunting but even if I was stuck on silly questions I always got a real person to speak with. I can’t praise them high enough Reviewed on: 27th August 2024

Straightforward, sympathetic and efficient service

Straightforward, sympathetic and efficient service Reviewed on: 13th June 2025

They have been wonderful and grateful for their serv...

They have been wonderful and grateful for their services to handle my debts Reviewed on: 13th June 2025

Life changer

They take a weight off your mind , also peace of mind , they are a life changer Reviewed on: 13th June 2025

Brilliant with people

It was very easy to contact them and they made me feel at ease and comfortable, no hassle to them at all. Reviewed on: 13th June 2025

Great experience

Great experience start to finish Reviewed on: 13th June 2025

I am very grateful for your help and support, effect...

I am very grateful for your help and support, effective, humane and perfect in every way. Reviewed on: 13th June 2025

Help at Hand

Excellent advice, always happy to help and if any problems Reviewed on: 12th June 2025

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

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