Help is available
Struggling to make repayments? This is pretty common and you’re not alone.
Speak to your lender as soon as possible
They might be able to put your on an affordable repayment plan, or offer you a better rate. This could give you the breathing space you need to get back on track.
Consider talking to a debt charity
Remember there’s always someone to talk to if you’re finding your debt too much to handle. StepChange can give you free, expert advice on your debts.
Other charities like Money Helper, The Money Charity, Citizens Advice can also help. Don’t worry about them being judgmental, they’ve helped countless other people in your situation and offering friendly guidance is their job.