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StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (13770 reviews)

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4.95

Based on 13,770 reviews, last reviewed 28th May 2025

250300% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

A godsend in the toughest times I got in touch with stepchange after trying to take my own life. They made everything understandable and easy to digest - since then I’ve managed t pa... Read more Reviewed on: 28th May 2025

Latest lowest rating:

2

Poorly managed My debt has been poorly managed and my debt increased by 8 thousand when different companies buy the debt. Reviewed on: 24th May 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 (13770)

Review of the StepChange, Debt Management:

With you every step of the way (pun intended)

Just finished 6-year IVA, emergency expenditure and furlough delayed things. But SC were there every step (pun). Always at the end of the phone when needed. Reviewed on: 24th May 2024

Excellent help and support totally understanding sta...

Excellent help and support totally understanding staff Reviewed on: 27th May 2025

I was in the dark and didn't know what to do,my loan...

I was in the dark and didn't know what to do,my loan was high and it was affecting me and my family not until I picked up that phone and call step change everything felt good.light at the end of tunnel, customer service very very good,would recommend step change to anyone struggling to pay their debt it will make a great change Reviewed on: 27th May 2025

The light at the end of the tunnel

Stepchange provided me with not just money relief they provided me with stress relief. I was spiralling further into debt when I found their service and they stabilised me. Their help and guidance is the light at the end of the tunnel. I am less than a year away from the end of my DMP and they have taught me how to be more responsible with my money. I highly recommend contacting them if you need help too. Reviewed on: 27th May 2025

£1,000 p/m to £60 thanks to Stepchange

I approached step change after I became overwhelmed with debt repayments and got caught up in the horrific cycle of debt. I had a consultation that was blame-free (stepchange don't care why you've found yourself in debt, they care about how they can help you out of it) and were very helpful. I work in Finance and they were careful to advise if I had an obligation to tell my employer. In many cases, this isn't necessary. Stepchange facilitated the move from me paying the banks £1,000 a month to me now paying £60. It's manageable and I can live my life feeling a sense of dignity again. Reviewed on: 27th May 2025

This choice changed my life

I can sleep at night knowing that I will not have anyone knocking on my door looking for money. Before I went to Stepchange I ended up at the doctors & having to go on antidepressants because I was so exhausted with the worry of my situation. I just wish I had gone to Stepchange sooner, they were so helpful & immediately lifted my mood after speaking to them, I would highly recommend them. Reviewed on: 27th May 2025

StepChange has helped bring my debt under control

My finances had got unmanageable - I wanted to pay back as much as I could, but my monthly income was being eaten away by increasing costs so I became impossible without more debt being incurred. The StepChange process, done largely online, was thorough but clear and has helped me to enter into an agreement that means I can pay back a reasonable chunk of the borrowed and owed money to my debtors over a set period of time. The light at the end of the tunnel is visible, I am able to manage the payment load and will soon be cleared of my own financial failings to start afresh from a money point of view. Reviewed on: 27th May 2025

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

Efficient and professional.

Efficient and professional. You took my debts worry and stress away, consolidation of all debts and manageable payments was great. Thanks Reviewed on: 27th May 2025

Professional advice and very helpful to go through t...

Professional advice and very helpful to go through the stressful times. Thank you so much. Reviewed on: 27th May 2025

So grateful for StepChange!

My experience with Stepchange has been amazing! from the first point of contact the process has been straightforward and very helpful, taking so much stress off of me! I would definitely recommend stepchange to anyone needing support with their debt concerns. Reviewed on: 27th May 2025

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