Last checked: 24 September 2026
Protect essentials first
Housing, energy, food and other essential needs come before trying to optimise ordinary unsecured debt repayments.
Identify priority debts
Priority debts are defined by the consequences of not paying, not simply by the size or interest rate. The exact rules and remedies differ across the UK, so use current guidance for your nation.
Use free independent help
MoneyHelper can direct you to debt advice. StepChange, Citizens Advice and National Debtline provide free support. You do not need to pay a commercial company simply to understand your options.
If there is immediate danger
If you face imminent loss of essential services, court enforcement or homelessness, seek urgent specialist advice from an appropriate free service.
Useful official sources
Rules and guidance can change. Check the official source before acting.