Tips for people in debt

A teenage boy sitting concerned

We’ve worked with young people who have struggled with money to produce advice for families and young people who are struggling to keep on top of bills and repayments.


Don’t keep it to yourself. The number one advice from debt charities and some of the young people we work with is to speak to someone you trust.

'Get advice from an adult, speak to someone who can help'  - 15 year old young carer


Embarrassment, stress, anxiety and helplessness are all emotions common for people struggling with debt, but they are not emotions you need to be dealing with, especially not alone.

Talk to your doctor if you feel you, or your children, need help with your mental health and wellbeing.

'I’d rather be embarrassed and ask for help than be sat there with nothing'  -  21 year old care leaver


Beware of private companies offering to consolidate your debts in exchange for high fees.

Contact a legitimate free debt advice provider instead - they can work with you to find the best solution for all of your debt problems.  

'They use third party companies, debt collectors who come in and use all the tactcis intimidation, words, papers, aggressive, upfront, intimidating.' - 19 year old care leaver


Take control.

Don’t ignore the letters or calls from your creditors and hope it goes away, because unfortunately it won’t.

Work with debt advice providers to create a budget so you can see where money is going each month and what needs to be prioritised. It will help you feel in control of your finances and on the road to being debt free.

'It’s understanding that there’s no perfect time to wait to ask for help, if you need help you should ask for it now.' -  19 year old care leaver

For free debt advice please visit Stepchange’s website.

download this advice sheet