StepChange Debt Charity Reviews 2,361

I was in a very bad place e before StepChange and was paying for my DMP plan 1200 per year. Finding Stepchange gave back my freedom after 1.5 years. Clear onboarding, monthly check how your debts are shrinking. To have something like this without spending a penny is amazing and people should use it to gain back their financial freedom.

I have just stated with Stepchange. I didnot know that giving me too much credit is a trap for me. I keep spending ,keep speding. and one day i found myself that i dont have the breathing space. I contacted with them. they made it easy for me. Lets see what happen. i promise this is the bye for me to the credit cards🥲

StepChange is worth it's salt, a million times over!

Absolutely life changing.
Easy and judgement free advice and help, all of the people I spoke to were excellent, understanding and calm.
I wouldn't have been able to get debt free without them and they've absolutely changed my life for the better

The extra care with the initial meeting and kind help given with the guidance given

I found myself in over £8,000 of debts and didn't know how i would cope.
I contacted Stepchange and with thier help and advice now a year on i am debt free. I can't Thank them enough for all the help in contacting everyone i owed money to to set up a repayment plan.
I highly recommend them if you are struggling.

I was weighed down by my huge debt and chased every where by my creditors until i contacted Stepchange who took my debts over, came into an agreement with my debtors and only paid them what i could afford to pay. There is help out for anyone in debt . Just reach out to Stepchange, for they are more than capable of helping.

Great service , supportive and effective
Helped me to get back on my feet

I had debts of around 32k, run out of options and nowhere to go. I didn’t miss any payments, but debts were over 1k a month with interest. I called stepchange September 2024 and from that moment everything changed for the better. I’m down to 25k and all seems to be going smoothly. All the creditors (8) put a hold on interest which massively helped also.
Really can’t thank you all enough for the help and support.
I went with a DMP and highly recommend!

The lack of worry. Friendly agents to speak to without judgment. The ability to get on with your life without fear of bailiffs. My Debt Management Plan (DMP) finished in February 2026.

Step Change stabilised my debt situation. Their knowledge and empathy was immeasurable. I went from despair to debt free with an amazing support team. I cannot thank or recommend their services enough!

I had a very positive experience with StepChange. From the very first interaction, they were professional, understanding, and completely non-judgmental about my financial situation. It can be difficult to talk about debt, but their advisors made the process feel safe and manageable.

They took the time to go through my income, expenses, and debts in detail, helping me understand my options clearly. I appreciated how they explained everything in plain language, without pressure or confusing jargon. Together, we found a realistic solution that suited my circumstances, and I felt a huge sense of relief afterward.

What stood out most was that their service is free and genuinely focused on helping people, not making money from them. Communication was consistent, and they kept me informed at every step.

Overall, I would highly recommend StepChange to anyone struggling with debt. They provide practical support, emotional reassurance, and a clear path forward.

Very misleading, almost impossible to contact and they don't tell you about their conflicts of interest

Reached out for help and no advisers available to take a call, put me through to national debt line and no answer in 50 mins

Be careful who you trust. I contacted another company before Stepchange. They turned out to be scammers. I started getting calls from someone claiming to be a debt collector. Be sure of who You are speaking to and contact StepChange first.

I was worried about the online application because a lot of information is required. I seriously worried about giving information after the previous scam company that I had talked to. However this company is 100% legitimate.

Cons..
Hard to reach by phone.

Some emails were not responded to.

I have not been informed if creditors have stopped or reduced interest.

Pro's

Breathing space was easy to apply for and gave me 2 months in order to fix my urgent bills like car repair and missed housing service charges.

My creditors have never called me since this plan was in place.

1 easy payment to StepChange and they do everything. Budgeting is much easier as everything is paid on pay day.

You can pay by standing order. So you can choose a payment date that suits you.

If your financial situation changes then you can ask to pay more or less.

The budget that you complete online is very comprehensive and includes everything.

Now the important stuff......

Perfect, just perfect. Compared to my previous financial situation. I can breath again. I have a budget that is easy to stick to and I'm no longer struggling financially. No more scary letters. No more threatening calls. I can breath again and I can sleep at night without worrying. I have money in my pocket now and my debts are being paid.

I wanted to give this charity 4 stars because they are difficult to contact by phone but then I realised they are a charity and they are probably under pressure with lots of others to help.

Final thoughts.....

Facing up to my financial situation was the hardest part. I was in over my head and I was afraid to open my post. In fact I was terrified. This was the hardest part. My anxiety and stress levels were through the roof. This was the hardest part of setting up a debt management plan. I'm not going to lie. This was tough.

Now I'm happier than I have been in years. Contacting StepChange has been one of the best decisions of my life. I'm glad I faced up to the fear of my finances. I suggest that you do the same.

Give it a go. I promise you will be happier.

This service supported me with an IVA from start to finish. They provided non judgemental options and explained things perfectly. They kelts me updated with the process and explained the actions required from me. I felt massively supported and relieved when it was finalised.
Highly recommend even if you are just requiring advice around budgeting.

Great service when I was onboarded a few years ago, however having found myself in the situation to potentially settle my debts, I have been so frustrated trying to discuss this. Absolutely terrible wait times across multiple days and times, with wait times of over 45 minutes and being cut off several times. If I was a sceptic I would think they didn't want me to "Settle"

Stepchange is brilliant, the IVA team is very friendly, life savers ,helped me through each step.

My DMP is now repaid. I am debt free. And so, so happy I made the decision to contact Stepchange. They treated me like a human being, no judgement. If you are unsure, make that call. Change your situation, change your life.

I’ve been with step change for a few years now and they are amazing just chatting to them helps you make a decision to help for a short or long period of time
Throughly recommend