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Where to go when you are you struggling with debt

June 20, 2026

Being in debt can feel scary and overwhelming. You might worry about bills, letters, or phone calls. You might feel stuck or unsure what to do next.

If this sounds like you, please know this: you are not alone, and help is available.

First, Take a Deep Breath

When debt feels too much, it is hard to think clearly.

You may feel:

  • Stressed or worried
  • Ashamed or upset
  • Like things are out of control

These feelings are very common. Many people struggle with debt at some point in their lives. Asking for help is a strong and positive step.

Don’t Deal With Debt on Your Own

Trying to handle debt alone can make it feel bigger and heavier.

Talking to someone who understands can:

  • Make things feel less scary
  • Help you see your options
  • Take pressure off your shoulders

There are free, trusted organisations in the UK who are there to help.

StepChange Debt Charity

StepChange is a free debt charity that helps people every day.

They can help you:

  • Understand your debt
  • Make a simple plan
  • Talk to your lenders
  • Find the right solution for you

You do not have to pay for their advice, and they will not judge you.

Website: www.stepchange.org
Phone: 0800 138 1111

Citizens Advice

Citizens Advice offers free, confidential advice.

They can help with:

  • Debt and money worries
  • Benefits
  • Housing and bills
  • Understanding letters and forms

You can speak to someone online, on the phone, or at a local office.

Website: www.citizensadvice.org.uk

Talk to Your Credit Union

If you are struggling with money, a credit union may also be able to help.

Credit unions:

  • Are not‑for‑profit
  • Put people before profit
  • Offer fair loans and safe savings
  • Give friendly, clear support

They may not solve everything, but they can be part of your support and help you avoid high‑cost lenders.

If You Feel Overwhelmed or Hopeless

Sometimes debt stress can feel too much to cope with.

If you are feeling:

  • Overwhelmed
  • Very low
  • Like you cannot see a way forward

Please talk to someone right away.

You can contact Samaritans any time:

  • Call 116 123 (free, UK)
  • Visit www.samaritans.org

You do not need to be in danger to call. They are there to listen without judgement.

Small Steps Matter

You do not need to fix everything today.

One small step could be:

  • Making one phone call
  • Visiting one website
  • Talking to one person

Each step moves you closer to support and control.

Remember

Debt does not define you. It does not mean you have failed.

Help is available. People care. And things can get better with the right support.

If money worries are weighing you down, reach out today. You deserve support.