Income and debt support

Find out if you can get help with money worries - including benefits, discounts and affordable borrowing.

Benefits and other discounts

Find out if you are eligible for benefits, a reduction or discount in your Council Tax bill and money off your rent.

Benefits

You could be eligible for benefits to help with your money worries.

Find out if you're eligible for benefits

Council Tax

Find out what discounts, reductions and exemptions you may be able to claim to reduce your Council Tax bill.

Council Tax discounts and reductions

Discretionary Housing Payment

If you get Housing Benefit or Universal Credit but still find it hard to pay their rent, you can apply for Discretionary Housing Payments.

Discretionary Housing Payment

Get help with debt

There are number of organisations that can help if you are experiencing debt issues.

Affordable ways to borrow money

If you need to borrow money, you could get a loan from a community lender who may have lower interest rates.

Affordable borrowing - mygov.scot

Budgeting Loans

You may be eligible for a Budgeting Loan if you’ve been on certain benefits for 6 months.

Budgeting Loans - GOV.UK

Get help with debt and money

You can get different types of help and advice with debt and money. Many charities and organisations give free guidance and advice. Some individuals and organisations may charge a fee.

Get help with debt and money - mygov.scot (opens in a new window)

If you're on a low income

You could get some extra money if you're struggling to pay your bills, child support or you're over State Pension age.

Pension Credit

You could get extra money to help with your living costs if you're over State Pension age and on a low income: even if you have savings or own your own home.

Pension Credits - GOV.UK

Scottish Child Payment

You could get a weekly payment for every child you look after under six years old.

Scottish Child Payment - mygov.scot

Help to Save

If you get Working Tax Credit or Universal Credit, a Help to Save account could earn you a 50 pence bonus for every £1 you save.

Help to Save - GOV.UK

Claim Marriage Allowance

Marriage Allowance allows you to transfer 10% of your personal tax allowance to your husband, wife or civil partner if you earn less than the personal tax allowance, which is usually £12,570.

Marriage Allowance - GOV.UK

Funeral Support Payment

Funeral Support Payment can help pay for funeral costs. It will not usually cover the full cost of a funeral but can help towards it.

Find Funeral Support Payment - mygov.scot

Young Scot cost crisis guide

A guide for young people to explain the cost-of-living increases and give advice on money, energy and mental health support.

Find guidance and support - Young Scot