What are some of the different types of benefits in the UK?
A guide to benefits and debt
Read our guide on benefits and debt including the different kinds of benefits available in the UK and whether having outstanding debt can affect each one.
At Lowell, we understand that some of our customers might claim benefits and feel unsure how this works with clearing their debt. As always, our mission is to encourage open conversations about all debt-related topics and help to try and remove any sort of stigma. So, to help clear things up, we’ve created this guide to benefits and debt.
We put our customers first and want you to feel confident and comfortable when it comes to handling your debt with us. If you have any questions or concerns, then our friendly team will be more than happy to help. If you need more specialist support than what we can provide, we’ll help to put you in touch with the right organisations who can help.
Click on the links below to jump to the section you want to read and find out more about benefits and debt.
Universal Credit
Income support
Child Benefit
Jobseeker’s Allowance (JSA)
Does being in debt impact my benefits?
What if I’m in debt and on benefits? Do I still need to pay?
Can I claim benefits to help with debt?
Can I file for bankruptcy if I’m on benefits?
What are benefit debt deductions?
Can debt impact my benefits?
What are benefits overpayments?
What should I do about benefits overpayments?
Can benefit overpayments be written off?
If you're a Lowell customer and you have concerns or queries about your debt with us, then please do get in touch. Our friendly and supportive team will be more than happy to help.
First published: 31 October 2022
Updated: 2nd July 2025