Your web browser is outdated and may be insecure

The RCN recommends using an updated browser such as Microsoft Edge or Google Chrome

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."

    Two people holding hands

    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:

    A person putting a log into a fire

    Everything you need to know about The Winter Fuel Payment

    The Winter Fuel Payment is an annual payment from the govt to help people with their heating costs during the colder months. PayPlan have provided a breakdown of who can apply - read more to see if you're eligible. 

    PayPlan Blog

    Are you missing out on unclaimed benefits?

    The UK benefits system can be complex, and it may feel overwhelming to use it for the first time. Read more from our debt advice partner, PayPlan, and check if you are missing out on unclaimed benefits.

    Winter energy prices

    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.

     

    a man in a blue denim shirt checks his phone

    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.

    Two people holding hands over table

    Working together to support neurodivergent individuals

    There are many barriers that neurodivergent individuals experience and our debt advice partners, PayPlan, pride themselves on being inclusive and supportive of all their clients.

    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.

    Young hands holding an old lady's hands

    Communicating with bereaved people: A practical guide to having better conversations

    The National Bereavement Service has put together a guide to help you have better conversations with colleagues, friends, or relatives struggling with bereavement.

    a man washes his hands

    11 financial support options for carers

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

    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. Our debt advice partners, 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.

                                                   PayPlan logo