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Debt policy and research

Take a look at our latest research into UK personal debt trends and
statistics, how we campaign for change, and our work in Parliament.

In 2018 we helped


people with their debts


Working towards a society free from problem debt

With 25 years’ experience providing free debt advice and solutions, we’re well placed to inform policy and practice change. In this section you’ll find all our latest research and reports and up-to-date debt statistics from our work to help members of the public deal with their debts.

If you’re an MP or parliamentarian you can find information on our latest campaigns as well as briefings for Parliamentary debates at Holyrood and Westminster. We also provide resources to help constituents deal with problem debt.

Our policy team uses our clients’ experiences to make the evidence-based case for changing regulation, law and practice, to reduce the risk of problem debt and the harm it causes to people.

Our latest debt statistics

In 2018, more people than ever contacted us for debt advice. Our Statistics Yearbook 2018 takes an in-depth look at more than 650,000 people struggling with problem debt.

Making the case for change

Our team undertakes research into personal debt, shares insights, and shapes policy proposals. This helps inform and influence change through a range of government and regulatory bodies, financial trade associations and others from the public, private and voluntary sector.

We make sure the voice of our clients is heard by raising concerns with a range of government and regulatory bodies and making proposals for action. This is all in order to achieve positive changes to people’s lives and to work towards a society free from problem debt.

Impact Report 2018

Our impact report looks at how we're delivering against the charity objectives we set out in our four-year strategic plan. Read the report for full details.

Our policy blog

Written by industry experts in our policy team, our blog on Medium.com is packed with insight and comment on the latest UK personal debt trends.

Visit the blog  

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2019