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StepChange: Debt advice reviews

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4.95
Based on 16,753 reviews, last reviewed 14th May 2026
98000% increase in 5 star reviews
in the past 90 days
900% increase in 1 star reviews
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Latest highest rating:

5

If it wasn’t for StepChange I really don’t know whe... If it wasn’t for StepChange I really don’t know where I would be today. My financial difficulties began following an accident I had in December of 20... Read more Reviewed on: 14th May 2026
Brian 's avatar
Brian

Latest lowest rating:

2

Wouldn't recommend The customer service team I find to be very slow in responding, and I have sometimes had to send the same information a few times as they have clearly... Read more Reviewed on: 9th May 2026
CharleyM's avatar
CharleyM
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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.

StepChange Debt advice reviews (16753)

Review of the StepChange, Debt advice:

Dare to hope,!

5
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
maureen yost's avatar
maureen yost

there is a light at the end of the tunnel

5
Started my debt plan when they were called consumer credit counselling service (CCCS). At that time I had chosen to bury my head in the sand and allow my debts to escalate around me. I then made the decision that I needed to act before I drowned in my debt, I’d looked at a few debt manage companies and eventually found at that time the CCCS (now Stepchange). My main decision for choosing my debt management plan with stepchange was that there was no fee to pay so that all my payment went to my creditors & that the monthly payments were manageable & I found that I could breathe, it was easy to set up my debt plan & their advice was extremely helpful. Moving forward doing my review each year was just as easy. I would encourage anyone who has debt problems to contact stepchange at the first opportunity so that you can start to clear your debts & more importantly start to breathe & live a normal life again without the worry of debts spiralling out of control. I can’t thank these guys enough. There is a light at the end of the tunnel. Reviewed on: 2nd June 2024
chris b's avatar
chris b

Helpful and friendly would recommend

5
I had some debts that needed to be paid off and step change Helped me out a lot, I would recommend them if you're looking for debt management they are friendly and understanding and will do their best to help Reviewed on: 1st June 2024
Peter C's avatar
Peter C

I was so depressed and didn’t know where I could get...

5
I was so depressed and didn’t know where I could get help. Somebody recommended you and it changed my life. Reviewed on: 1st June 2024
Elaine B's avatar
Elaine B

Very helpful and friendly

5
Very helpful and friendly. Recommended Reviewed on: 30th May 2024
Pawel's avatar
Pawel

Professional and compassionate

5
Stepchange have always treated me professionally but with human compassion. Being in debt can make you feel a failure but there has never been any judgement from anyone I have spoken with at Stepchange. They have been a huge help to me when I have been at my lowest. Reviewed on: 30th May 2024
Trish's avatar
Trish

i was scammed, frauded.

5
i owe money to a loan company but i did not borrow it the scammers did it and the police said it was fraud and the bank said it was fraud but the loan company said it was not fraud, i have police fraud phone number and same with my bank but i have to pay a very large sum of money back myself and step change helped me with a debt management plan. Reviewed on: 30th May 2024
Betty M's avatar
Betty M

Lifesavers

5
StepChange have really helped me with managing my debts all in one place, and for free! Whenever I call, I get through to someone lovely, knowledgable and super helpful. Can't reccomend them enough for anyone struggling with debt. Reviewed on: 30th May 2024
Battyechan's avatar
Battyechan

Lifesavers

5
At a time when I was very, very low, StepChange were able to help me in a practical way in dealing with my debts. By producing a doable repayment programme from my personal income & expenditure, StepChange cleared a path for me to see, and believe, that a future for me did indeed exist. Reviewed on: 30th May 2024
Graham's avatar
Graham

After being made redundant, I was desperate for help...

5
After being made redundant, I was desperate for help to sort out debt. I contacted Step Change for support, and they have! I can sleep at night, I'm not dodging the calls or worried about what the postman will bring that day. I am paying off my debts, I have given authority to my partner to help me. All my debts are paid in one payment and Step Change do the rest for free! 100% of the funds I pay go towards paying off my debts. The staff I have spoken to are so professional and yet friendly. At NO time have I felt judged, not once. When I was made redundant during covid, I felt desperate, not knowing where to turn, now I'm settled back in a new job, and the stress of repaying my debts is lifted. I cannot thank all the people from Step Change, who have helped me, enough. Reviewed on: 30th May 2024
Sheldon P's avatar
Sheldon P

Using StepChange has been honestly life changing for me

5
The help I received from StepChange has been honestly life changing. I was in real difficulty with my finances, the situation was getting worse and it was causing me a lot of stress and anxiety. But contacting StepChange helped me get things under control and eased my worries straight away. They are kind, knowledgeable, professional and totally non judgmental. I'm so grateful for their help and ongoing support and would recommend them to anyone struggling with debt. Reviewed on: 29th May 2024
JF's avatar
JF

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