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Debt and money worries can have an overwhelming impact on your overall wellbeing. So, we’ve teamed up with the free, confidential debt advice service, PayPlan.

Working in healthcare, you won’t necessarily work a normal ‘9–5’. PayPlan respect your schedule and will talk to you at a time that’s best for you. They can help with different types of debt, including credit cards, loans, utility arrears, mortgage arrears and council tax arrears.

Speaking with PayPlan will not affect your credit score. They will explain the options available to you, so you can decide how to deal with the situation. 

     PayPlan contact options

Visit the RCN Foundation portal on the PayPlan website to self-refer.

Check if you have unclaimed entitlements 

An estimated £16 billion worth of benefit entitlement is unclaimed per year. You can check your estimated benefit entitlement online using the below benefit calculator.

                                            Benefit Calculator

    Thank you so much for believing in me

    Maria, a former nurse, shares her experience with PayPlan

    "Being a victim of domestic and economic abuse, I was left with debts I didn’t run up myself but were in my name.  PayPlan were patient and understanding and said they would do their best to help and support me through this. It took just over a year, and now all my credit card debts have been written off. I am so grateful to PayPlan for this, and I can’t thank them enough. I can now have a good financial future with no restrictions."

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    Financial Wellbeing and Money Management

    Hear from Antony Price, Partnership Manager at PayPlan, with some top tips to help with money management support and financial wellbeing. 

    PayPlan's money saving tips for healthcare staff

    The team at PayPlan are providing specialised tips for those experiencing hardship in a series of articles about money management. Read them here:

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    Will my partner’s debt affect my credit score?

    This is a question that our debt advice partner, PayPlan, hear often. Read more to find out everything you need to know when it comes to credit scores.


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    How to look after your mental health when you’re in debt

    Our free debt advice partner, PayPlan, share tips on coping with the mental health impacts caused by debt.

    PayPlan Blog

    Improve your financial health in 2024

    Our debt advice partner, PayPlan, advise how small, simple changes can leave a big impact for the rest of the year.

    PayPlan tips for fun on a budget

    Eight ways to have fun on a budget

    The cost-of-living crisis has made leisure activities more financially stressful than usual, particularly for families on a budget.

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    11 financial support options for carers

    If you support a family member or partner who is unwell or disabled, financial help is available.

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    Hardship support: tax relief

    PayPlan often advises nurses, midwives and health care support workers on tax relief entitlements that they could be entitled to. Which ones might apply to your current situation?

    Everything you need to know about loan sharks

    With just one unexpected bill, people can quickly find themselves trapped in a vicious cycle of debt. Here, PayPlan share their top loan-shark-spotting tips.

    Watch our PayPlan Q&A

    Ruth Samuel, the RCN Foundation Benevolent Grants Manager, chats to Antony Price of PayPlan about the emotional and practical support their team provides. For help, give them a call on their free helpline 0800 280 2816.

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