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StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (14715 reviews)

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4.95

Based on 14,715 reviews, last reviewed 31st Dec 2025

72% 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

I was so stressed wished I had done this years ago m... I was so stressed wished I had done this years ago made my life so simpler and learned to live within my means. Reviewed on: 31st 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 (14715)

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

I considered ending it all.....

I was unable to sleep, eat and considered ending everything as I could not cope at all. I had to pluck up courage to call StepChange but once this had been accomplished they made it very easy and everything else just flowed. I was never made to feel like a complete failure and have been able to get my life back on track. I rarely need to speak to customer service but when I do, they are kind, caring and non-judgmental. Reviewed on: 4th July 2025

So helpful and supportive without any judgements

So helpful and supportive without any judgements at all. Over many years and many calls, they literally could not have done more. Im so thankful for Stepchange. Reviewed on: 3rd July 2025

Changed my life!

StepChange have really changed my life. All of a sudden I found myself I a huge amount of debt and was only managing to make minimum monthly payments. I heard of StepChange on the radio one evening and finally gave them a call. They talked through everything step by step with me and helped me set up a DMP, my circumstances changed various times over my repayment period, and I could easily review my income and outgoings online so that my monthly payments went down / up where I needed it. I’m so grateful for what they have done and am in such a better place now thanks to StepChange. Couldn’t recommend them enough to anyone struggling with debt. Reviewed on: 3rd July 2025

Easy process

An easy process for a troubling time. The help was excellent and forms easy to complete. The result is I am now debt free and feel so much relief. Reviewed on: 30th June 2025

I've been with step change for a long never had a p...

I've been with step change for a long never had a problem really helpfull how Reviewed on: 30th June 2025

helpful and supportive service

Found them helpful and supportive me in finding an affordable plan for me Reviewed on: 30th June 2025

Help & guidance.

Provided help and guidance to enable me to make the necessary changes to sort my finances out. Reviewed on: 29th June 2025

They are very friendly understanding.

They are very friendly understanding. Professional and Polite Reviewed on: 27th June 2025

You never know what's around the corner.

You never know what's around the corner. We got into debt due to my husband having head and neck cancer. He looked and felt perfectly fit and then the diagnosis hit. He had to give up work and overnight we lost an income. It can happen to anyone. We couldn't see any light at the end of the tunnel and then we telephoned StepChange and it felt like a gentle arm around us telling us they could help. Those few words were enough for me to sleep without waking up dreading the post arriving. Reviewed on: 26th June 2025

Help me to ease my financial problem

Help me to ease my financial problem Reviewed on: 26th June 2025

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