Fees and funding

Debt advice

We can help you with your debts!

Some of the reasons I might have debts:

  • A low income
  • Extra costs associated with personal circumstances
  • Student finance delays
  • Transitioning from benefits to student loans and grants
  • Immediate hardships (one-off expenses that you didn't expect)
  • Creditor demands
  • Debt enforcement - court action, bailiffs, repossession
  • Payday loans.

Our advice:

  • Get everything you're entitled to!
  • Use budgeting tools to help you align your income and expenditure.
  • Reduce spending. Do you really need it? Can you get it cheaper? Can you wait?
  • Do you have your TOTUM discount card?
  • Don't ignore any letters you receive.
  • Seek independent advice.
  • Never agree to pay what you can't afford.
  • If you are experiencing finance hardship, come and speak to us.
  • Avoid payday lenders.

Independent advice

  • StepChange: This service provides free, confidential advice on how to deal with debt problems.
  • Money Advice Trust: Free and independent money advice.
  • National Debt Line: Free, confidential advice on how to deal with debt problems.
  • Turn2us: Helps people in financial hardship gain access to benefits, grants and other services.

On-campus support

These services provide free, independent and confidential advice on a range of issues.