Debt Stress Assessment

Shows how much pressure your debt is putting on you and which kind of help fits best: learning and a repayment plan, a money coach, or an NCR-registered debt counsellor.

10 questions about your debt over the last 3 months. Debt stress is common in South Africa, and needing help is not a failure. Private. Your employer never sees your answers. You can stop anytime.

Private: your answers stay on this device and are not saved. You can stop at any time.

I pay all my debt instalments in full and on time.
I borrow money to pay other debts.
Debt repayments stop me paying for essentials like food, transport, rent or electricity.
Creditors or debt collectors contact me about missed payments.
I am behind on my home loan (bond) or car finance.
I use my full overdraft or credit card limit every month.
I take payday loans, short-term loans or loans from a mashonisa.
Debt worries affect my sleep.
I hide debt or money problems from my spouse, partner or family.
I have thought about debt review or asked someone about it.