Even when your debt feels all-consuming, there is always somewhere you can turn to get help with managing it.

As a first step, you might consider contacting your lenders to see if there’s anything they can do to help. They might be able to offer you a better interest rate, or another goodwill gesture, that could help you to make a dent in what you owe.

If this isn’t an option, debt charities like StepChange, Christians Against Poverty and National Debtline exist to help you.

You can talk to a qualified debt advisor on the phone, or sometimes even via webchat, and they can help you to understand your options. There’s no judgement and advisors speak to people needing help with debt all day every day. You’re not alone.