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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

58% 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

Stepchange have helped with my financial situation a...

Stepchange have helped with my financial situation and have been sympathetic in my dealings with them. When I have been unable to make my monthly contribution on time Stepchange have helped me by waiting until my funds have reached my account. This has taken a lot of stress away from me, which I am very grateful for. Reviewed on: 26th June 2025

Great Support

When a friend first told me about Step Change, I was reluctant and embarrassed to call them, but when I made the call, the support I received was fantastic, they made me feel at ease and all the embarrassment I had disappeared. My DMP was setup and while on the DMP, I was able to adjust to suit my financial circumstances. Never set there worrying about your debts, when Step Change is there to help. Receiving my congratulations card at the end of my debt was the best feeling. Reviewed on: 25th June 2025

Step Change is an Excellent Organisation

Step Change is an invaluable organisation who make the process simple and reduces stress. Reviewed on: 24th June 2025

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

From the moment i First made contact with Step Chang...

From the moment i First made contact with Step Change, I found them to be professional, Helpful, supportive and easy to deal with they literally did everything for me & I'm now debt free. Reviewed on: 23rd June 2025

I was in a financial nightmare.

I was in a financial nightmare. I couldn’t keep up with the minimum payments on credit cards and a loan. Every month was a worry and I was only paying the interest. I had heard about Stepchange online. Rang them and they set out a plan to pay my debts at a rate l can manage. They did all work-got in touch with my debtors and arranged it all. I feel so much better, they stay informed from them and review my plan so l know how much and long I have to pay my debt back, at a rate I can manage. Reviewed on: 23rd June 2025

Helped reduce the stress I was experiencing.

Helped reduce the stress I was experiencing. Reviewed on: 23rd June 2025

StepChange Review

It clearly is not a nice topic to have to face up to and deal with but StepChange made it so much easier by being helpful, considerate and also knowledgeable and effective. Reviewed on: 23rd June 2025

Best phone call I made!

When I first contacted stepchange I couldn’t see a way out of my debt, I was so stressed and worried, but they helped me with monthly affordable payments and now i’m finally debt free! Reviewed on: 22nd June 2025

Really helpful and knowledgeable

Really helpful and knowledgeable Reviewed on: 22nd June 2025

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