This information applies to England, Wales and Scotland and Northern Ireland
If you're worried about your finances, you can take the Debt Test, to help you find out whether you have – or are likely to have – problems with your borrowing.
The Debt Test has been produced by the Financial Services Authority (FSA) - the watchdog for the financial services industry.
To take the Debt Test, go to the FSA's consumer website at: www.moneymadeclear.fsa.gov.uk.
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