Worried about money?

Do you think you might have a debt problem? Through our experience in helping people with debt and research from the University of Bristol we’ve uncovered the key warning signs that may indicate if you have a debt problem.

By answering five simple yes/no questions about your finances we’ll be able to help you assess your situation, and let you know the next steps you should take.

If we think you have a problem and need debt advice, our StepChange colleagues will help you every step of the way.

Take the test now.

Answer 5 quick questions to find out.

It shouldn't take more than a minute to understand more about your current financial situation.

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Do you usually go up to or over the limit on your cards or overdraft?


Have you borrowed more money to cover your debt payments?


Have you considered or applied for a debt consolidation loan recently?


Are you having issues paying your household bills?


Have you borrowed following job loss, illness or an upheaval in your life?

Things are looking pretty good

You're not showing any of the five danger signs of a debt problem.

We always encourage you to stay on top of your finances. To help you avoid debt problems in the future, we recommend signing up to our regular MoneyAware email, offering tips and advice on getting the most out of your money.

Sign up to MoneyAware

Not too bad

You've hit one of the five danger signs of a debt problem. While your finances might not be a bed of roses, you may be able to avoid a debt problem if you're careful and budget well.

You can choose whether you want to use our online debt advice tool to help you manage your money and your debts through a personalised budget.

Get debt help now

Or if you're doing OK, sign up to receive our regular MoneyAware email, for tips and advice on getting the most out of your money.

Sign up to MoneyAware

You may have a problem

You're displaying two or three danger signs, like many of our clients when they first get in touch.

Try our online advice tool for free and impartial advice. We'll help you create a detailed budget and you'll receive a personal action plan to deal with your debts.

Get debt help now

It sounds like there's a problem

Based on your answers it looks like you've got a debt problem and you're struggling financially. We'd recommend using our free online debt advice tool to create a detailed personal budget. We'll then provide you with a personal action plan to help you deal with your debts

Get debt help now

Talk to our advisors now 0800 138 1111
(Mon-Fri 8am-8pm, Sat 8am-4pm). Free from all landlines and mobiles.

John, Greater Manchester

StepChange don't judge you. They're here to help. I feel a lot less stressed thanks to them.

Richard, East Anglia

Words can hardly describe how great a service StepChange do, I feel like my life has improved so much thanks to the help they provide.

Jessica, Gwent

They've helped me so much! Can't thank them enough.

Brendan, Stirlingshire

A big thank you to StepChange for not judging me and for all your assistance and support.

Beth, Devon

The service has been amazing, I feel a massive weight off my mind and no longer worry about my finances.