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Debt and borrowing

• advice from the Money Advice Service (MAS) on how to manage debts and loans.
• debt test –  this will help you to to understand your level of debt, prioritise payments and help you to get back on track
• payday loans online advice tool

Debt and mental health

It's normal to feel worried, anxious or down when times are hard. If you are in debt or having financial problems or experiencing insecurity about your job, or have been made redundant, it could cause emotional distress and affect your health. NHS resources and advice may help you if you are in this difficult situation.