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If you or your clients are struggling with debt, you can use Turn2us services to find out what help might be available through benefits, grants or debt advice services.


To check what benefits you might be entitled to, you can use the Turn2us Benefits Calculator.

Access My Money Steps debt tool through the Turn2us Benefits Calculator

The Turn2us Benefits Calculator is now linked to National Debtline's My Money Steps free online debt advice tool which gives you a personalised action plan that’s tailored to your circumstances.

My Money Steps guides you through some questions about your income, your spending and your debts. This confidential information is then used to help you work out the best way to deal with your debts and give you step-by-step help and support to get back in control. It also gives you information about budgeting, boosting your income and dealing with the companies you owe money to. It takes just 20 minutes to complete and you can return to it whenever you need to.


You can search for charitable funds that might be able to help you by using the Turn2us Grants Search.

Most charitable funds do not settle debts. However there are a small number that do in certain circumstances. In most cases this will only be priority debts - such as mortgages, rent, utility bills and tax.

Where charitable funds don't settle debts, they may be able to give you grants to help with other expenses, depending on your background, situation and needs. As you would not have to find money for these, you could use other income that you have to pay the debts you cannot defer.

Some charitable funds also provide debt advice services.

Advice and support

If you are worried about debt, it is important that you seek advice from a debt advice charity or service as soon as possible. These include:


England and Wales

Northern Ireland


Turn2us Find an Adviser

You can also use the Turn2us Find an Adviser tool to find local sources of help, such as Citizens Advice bureaux. 

Further information

Read the Turn2us Debt information

Date of publication: 6 February 2015