We know that the biggest debt issues facing young people relate to unsecured personal loans, credit and store card debts, and bank and building society overdrafts. Loan, card and overdraft providers are all types of ‘creditor’.

• Dealing with your creditors

Mobile phone debt is also a common issue. Although mobile phone providers are another type of creditor, some problems are unique to them. For example, unexpectedly large bills that are incorrect or have been run up by someone else.

• Mobile phone bills

Once you’ve tackled your debts it’s important to make sure you don’t get into the same situation again.

• Budgeting and making your money go further

Watch how Citizens Advice helped Scooby to deal with £600 of debt which stacked up on the back of a £1 unarranged overdraft.

Watch how Citizens Advice helped Adila to break a vicious cycle of being in debt and shopping because she was stressed about it.