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• Struggling to pay - administration orders

  Action you can take if a change in circumstances makes it difficult to repay your administration order. Covers what creditors might do if you miss payments, review hearings and revoking the order

• Student loans

  Information about student loans and Career Development Loan, who can apply, how to apply and sources of further information

• If you’re struggling to pay your phone, internet or TV bill

  Check what help providers can give you if you can’t afford to pay your bill - like offering a payment plan or switching you to a social tariff contract

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Getting a permanent right to live in the UK if you have a family visa

  Check if you can apply for indefinite leave if you already have a family visa

• Get ready for your Pension Wise appointment

  What you need to do to make the most of your Pension Wise guidance appointment at Citizens Advice.

• Getting visas for your partner and children to live in the UK

  Check who can apply for partner and child visas, including the rules about your income