1. Are you paying extra for loans or debts? Speak to us to find out how you can reduce debt repayments. We may be able to negotiate lower repayments with your creditors.
2. If you’re still struggling, speak to us or the University Student Finance team about hardship funds. We can also help you if you are facing legal enforcement for debts. Remember that our advice is confidential: we won’t talk about your situation with other people unless you want us to act as an advocate for you.
3. Don’t get into more debt to try to pay off your existing debts. Our experience is that students get into worse problems by doing this. Speak to an adviser early enough, and we may be able to suggest alternatives. But whatever stage you’re at, speak to an adviser. We can help you make informed choices on managing your money, and help you to take action. Students we’ve helped tell us that we make a difference. What have you got to lose?
4. Apply for hardship funds from the University. If you’re eligible, hardship funds can help you manage in an emergency while we’re helping you to take control of your finances.