Accessibility statement

Dealing with debt

Constantly struggling with debts and meeting repayments? Debt problems affecting your academic work, relationships or personal well being?

The hardest part of dealing with debt is often recognising there is a problem and asking for help.

Take the first step

If you feel that debt is becoming a problem, our Student Support & Advice Team is here to help. We are regulated by the Financial Conduct Authority to provide advice on how you can improve your situation.

We can help - make an appointment with our student advisers now by contacting the Student Hub.

Debt solutions

  1. Let people know
    Being in debt can be stressful and you may be scared to tell anyone. However, though it may not be easy or quick, there is always a way out. Contact our Student Support & Advice Team for help and, if appropriate, speak to your parents or partner. Let your academic supervisor know if you think money worries are impacting on your academic work.

  2. Take control of your finances
    Our advisers will help you do this. Using bank statements and receipts, monitor what you have been spending and then build a realistic budget based on your actual income and outgoings. Our living costs guides may help you start your plan.

  3. Take action on existing debts
    The pressure of existing debt can be relieved by contacting lenders, requesting they stop adding interest and charges, and advising them what you can afford to repay. Our advisers can support you in how to do this.

  4. Maximise your income
    You may be entitled to a range of benefits and tax credits or bursaries and scholarships. We also provide hardship and emergency funding in some cases. Our advisers can help check if you are eligible.

Getting help

Avoid commercial agencies that charge for their services. You can get free advice, including sample letters to creditors, from:


If you have a question, need specific advice or would like help from a specialist adviser please contact the Student Support & Advice Team.