It’s been quite a while since I had problem debt, but still, all these years later I remember vividly how awful it felt. Unless you’ve lived it – felt the fear - it’s really hard to describe how much debt impacts you. 

I graduated in 2008 during the economic crash (I’ve always had great timing) and decided I was going to make my fortune in London. But there was no work, and I was skint – next level skint. 

So, I ignored my student overdraft which needed to be paid back, until I could get on my feet. Letters from the bank with warnings were going to past addresses – so it was easy to ignore - it felt like a problem for future me. 

Of course, I couldn’t hide from it forever and still wasn’t working full time when the chickens came home to roost.

I felt a deep shame and felt I had no-one else to blame but myself. It was quite clear my mental health was deteriorating, so I had to tell my mum about it, who told me to seek debt advice. 

That was the last thing I wanted to do because I assumed I was going to be shamed even more. I didn’t need someone to “tell me that I was stupid and irresponsible” - I felt bad enough about myself as it is.

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But I went. I remember it being a very normal room and sat down with such a heaviness on my chest, while I stuttered my way through the situation with a debt adviser. 

I can’t recall everything that was said after all these years, but I still vividly remember the feeling of relief. Physical and mental relief. She said that she was able to contact my bank and stop interest payments on my overdraft (and cancel a fine I had for exceeding my overdraft), cut the amount dramatically and helped me out with a payment plan. 

Basically, I had a non-judgemental pro on my side. Debt advisers have heard it all before, they are there to listen, give advice and support you through a challenging time. Don’t be afraid to reach out.

Learn more in our guide Help if you’re struggling with debt

It’s really hard to ask for help. It sounds easy on paper, but in reality, it’s not the case. For me, speaking to a debt adviser was transformative. A decade (or two) on, I remember vividly how dark everything felt walking into that room, and how I left smiling. So, if you are struggling with debt, no matter the amount – don’t delay getting help.