BBC Debt Test

Welcome to the Debt Test

Loans, credit cards, mortgage payments, bills - should you be worried about what you owe?

Our Debt Test will help you to find out how likely you are to have problems with your borrowing over the next year or so.

Just answer a few simple questions about you and your finances and we will

tell you whether you should worry about how much you borrow;
give you some tips on how to avoid debt problems; and
help you to tackle your debts if you are in trouble.

Everything you tell us is completely confidential - we won't see any of your information or pass it on to anyone else

Click START to begin the Debt Test.

More about the Debt Test

The Debt Test tells you how you would appear to a credit rating agency. Your results are only an indicator, not an exact prediction, so you should not take any decisions based solely on your feedback.

Your feedback is based on the information you give today about your current financial circumstances. Everyone's situation is different, so some of the suggestions we make might not apply directly to you. You may need to adapt them to fit your own circumstances. And, remember, it is a good idea to review your finances from time to time, especially when your circumstances change.

The Debt Test aims to give you some information to help you identify your financial needs and make your financial decisions. It does not provide financial or other professional advice. If you want advice specifically tailored to your personal circumstances you should consult an adviser.

PRODUCTS AND SERVICES

Your feedback

Here is your personal Debt test feedback based on the answers you gave.

FEEDBACK SUMMARY

Remember, you should not take any decisions based solely on these results. And for more detail about a particular subject, look at the More about pages which also have links to other sources of information and advice.

FIND OUT MORE

Reviewing your position
What you told us
About the debt test
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REVIEWING YOUR POSITION

Even if you're coping with your borrowing at the moment and you're not planning to take out any new loans, it's a good idea to review your current borrowing from time to time.

If you want to look more generally at your finances, see the Financial Healthcheck.

And if your circumstances change, try the Debt Test again to get information and help which is relevant to your new situation.

WHAT YOU TOLD US

Restart the Debt Test

ABOUT THE DEBT TEST

The Debt Test was developed jointly by the BBC, the UK watchdog for the financial services industry the Financial Services Authority (FSA), and Experian.

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MORE ABOUT:

Making the most of your money
Using credit cards wisely
Sorting out borrowing problems
Borrowing without a bank account
Coping when things change
Can I increase my borrowing?
Where to get help with your debt

Financial Healthcheck
Take our five-minute test to sort out your finances

Restart the Debt Test