It's very normal to have at least some debt. Most people in the UK are in debt - it may be a mortgage, a credit card, student loan or other debt to pay. Being in debt can be manageable, but if somebody's in more debt than they feel they can pay, it can become overwhelming and things can feel very out of control.
There is a stigma that comes with being in debt. People can be very quick to assume that somebody must be spending recklessly in order to have ended up in so much debt, which is not always the case. It can be hard to ask a family member or a friend for money for this reason, leading to more loan applications.
Debt can cause stress, which can negatively impact a person's mental health. Mental illness can also impact a person's income, leading them to end up in more debt. We've attached a guide for those dealing with debt here.