Step 1 increase your income

The first step in dealing with your debts is to make sure you have as much money coming in as possible. One of the main ways to do this is to check your entitlement to state benefits, which are paid by the government or your local council.

You can also make an insurance claim (if you have insurance) or draw from your pension (if possible).

Help with healthcare costs may also be available. Many organisations offer grants to help people meet expenses associated with their cancer. Macmillan grants, for example, are small one-off payments that won’t affect your ability to claim benefits.

For more information about your choices and eligibility, speak to our financial guidance team on 0808 808 00 00.

The other steps to help you to manage your debts are:

Back to Managing debt and borrowing

Debt and borrowing overview

Living with cancer can bring extra expenses. Learn how to manage your debts using a clear step-by-step process.

Step 2: Create a financial statement

Creating a simple financial statement will give you a clear idea of your disposable income.

Step 3: Identify your priority debts

Prioritise your debts to keep track of your financial commitments.

Step 4: Negotiate with your creditors

You can make repayment offers to creditors based on what you can afford.