Who we are

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StepChange Debt Charity is the UK’s leading debt advice charity.

For more than 27 years we have worked collaboratively with partners to help people at risk of, or struggling with debt to take back control of their finances and their lives.

We offer the most comprehensive range of free advice, support and solutions of any provider in the UK, from budgeting to repayment plans and from insolvency to mortgage advice. Our in-depth analysis of an individual’s financial circumstances takes full account of their situation and needs, to help them choose a realistic path out of debt.

Many people with financial difficulties are also vulnerable for many other reasons. Where this is the case we provide additional support tailored to their circumstances.

Our services are based on the principle that if someone can afford to repay their debts in a reasonable period of time we will recommend, alongside other possible approaches, a repayment solution for their consideration.

With the evidence and insight we gain from providing services to so many clients we influence policy, practice and public perception to bring about positive change.