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We’re supporting @StepChange to help you stay in control of credit and avoid debt traps.

Ask: Do I need it? Can I afford it?
💡 Get free debt advice if you’re struggling

Let’s make smart credit choices together ⤵️ stepchange.org/credit-confidence #BeCreditSavvy #DebtAwareness
There are ways you can manage debt. Start by making a list of your debts and all the information you have like:
 
🏠 Rent arrears
💳 Credit card debts
⚡ Energy or water bills
 
Check our online advice ⤵️

Back billing is when your energy supplier charges you for energy you’ve used in the past.

 
❌ Your supplier usually can’t send you a bill for energy you used more than 12 months ago.
 
We can help if your supplier tries to overcharge you ⤵️

It can be difficult to manage money as a university student – there’s lots of expenses and it might be your first time budgeting.

Don’t worry, Student Minds shares useful advice on what is a budget and how you can make a student budget.

Read on their website ⤵️
https://bit.ly/4emZ9mi