Debt Management: Free, confidential advice from our specialists · UK · USA · Germany · France · Brazil
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Debt Management

Take control of your debt with proven strategies, consolidation options, and personalised repayment plans. Free, confidential advice available.

Calculate Payoff Explore Strategies
Debt management concept

You're not alone

Millions of people across the UK, USA, Germany, France, and Brazil are managing debt. The key is having a plan. We're here to help you find the right path forward.

£1,200

average monthly debt payment per UK household

£4,000

average credit card debt per UK adult

6-24

months to become debt-free with a solid plan

Free debt advice: If you're struggling with debt, you can speak to our trained advisers for free, confidential guidance. We also recommend StepChange and Citizens Advice for independent support.

Choose your repayment strategy

Popular
Debt Snowball

Pay off smallest debts first for psychological wins. Great for motivation.

  • ✓ Quick wins keep you motivated
  • ✓ Builds momentum
  • ✓ Best for those who need encouragement
Debt Avalanche

Pay off highest interest debts first. Saves the most money over time.

  • ✓ Saves most on interest
  • ✓ Mathematically optimal
  • ✓ Best for numbers-focused people

Debt Payoff Calculator

Time to debt-free

2.5 years

Total interest paid

£3,240

Debt consolidation options

Balance Transfer

0% interest for up to 24 months. Save on interest while paying down principal.

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Personal Loan

Fixed rates and terms. Simplify multiple payments into one.

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Remortgage

Release equity from your home to consolidate higher-interest debts.

Learn More

Snowball vs. Avalanche: Which is right for you?

Debt Snowball
Best if you:
  • ✓ Need motivation to stay on track
  • ✓ Have many small debts
  • ✓ Prefer quick wins
Debt Avalanche
Best if you:
  • ✓ Want to minimise interest
  • ✓ Have high-interest debts
  • ✓ Are disciplined with numbers

When to seek help

Minimum Payments

Only making minimum payments

Collection Calls

Receiving calls from creditors

No Savings

Can't build emergency fund

Borrowing for Basics

Using credit for essentials

Free debt advice

Speak with a trained adviser for personalised debt management advice. No obligation, completely confidential. Available in multiple languages.

Book Appointment

UK debt solutions

Debt Management Plan (DMP)

Informal agreement to repay debts at an affordable rate

Individual Voluntary Arrangement (IVA)

Formal agreement to write off part of your debt

Bankruptcy

Last resort option that writes off most debts

Speak to an adviser to discuss which option is right for you.

Frequently Asked Questions

Will debt consolidation hurt my credit score?
Initially, your score may dip slightly due to the credit search. However, if you make payments on time, consolidation can improve your score by lowering utilisation and simplifying payments.
What's the fastest way to pay off debt?
The debt avalanche method saves the most interest, but the debt snowball provides motivation. Choose what works for your personality. Adding extra payments accelerates either method.
Should I use savings to pay off debt?
Keep a small emergency fund (£1,000) and use the rest for high-interest debt. Once debt-free, rebuild your emergency fund to 3-6 months of expenses.
Where can I get free debt advice in the UK?
You can speak to our trained advisers for free, or contact independent charities like StepChange, Citizens Advice, or National Debtline.

Ready to become debt-free?

Get a personalised repayment plan and free, confidential advice today.

Start Your Plan