Getting advice on debt

All of the following give free, impartial and confidential debt advice. Young people should be very wary of organisations that charge fees, and stick to charities instead.

• National Debtline, http://www.nationaldebtline.co.uk/england_wales/

Offers telephone support and self help packs for those who have priority debts. They also offer a range of fact sheets on debt topics including bailiff action and debt management plans.

• Step Change (previously named CCCS) http://www.nationaldebtline.co.uk/england_wales/

Offers telephone and online support for those who have non-priority debts.

• Christians Against Poverty https://capuk.org
• Provides money courses aiming to empower people to gain control of their finances and prevent debt. CAP is currently the largest face-to-face provider of adult financial education in the UK
• Citizens Advice Bureau http://www.adviceguide.org.uk

Offers specialist face to face support but often has long waiting times

• Christians against Poverty https://capuk.org/

Debt counselling charity for anyone in a CAP centre catchment area

• Payplan https://www.payplan.com/

Offers free debt management plans and debt consolidation advice to help people become debt-free.

• Noddle, https://www.noddle.co.uk/

Provides a free credit check and report from Callcredit, with no obligation to sign up for premium services.

• Minimum repayment calculator, http://www.moneysavingexpert.com/credit-cards/minimum-repayments-credit-card#calc

It doesn't give advice but this tool reveals how long it will take to pay off credit card debt by only making minimum repayments