📣 Let’s Talk: Buy Now, Pay Later – Handy or Risky?

Friday 26 September 2025

We get it — sometimes you really need something, but your bank balance says “not today.” That’s where options like credit cards, Klarna, and other ‘buy now, pay later’ schemes can step in. Used wisely, they can help you manage your budget or spread out big expenses. 🙌

💳 Want to learn more?
Check out this great guide to the best student credit cards 👉 Best student credit cards 2024 – Save the Student

But a quick heads up 🚨— these tools can become tricky if you start to rely on them too much. If you miss payments or only make the minimum ones, interest can build up fast, and you could end up with more debt than you expected.

🔍 Need more info?

🤝 We’re Here to Help (with a few limits)

If you do find yourself struggling with debt, our Money Advice Team is here for a chat. While we can’t offer full debt advice (we’re not FCA-accredited), we can:

✅ Meet with you to talk things through
✅ Help you check that you are receiving all the financial support you are eligible for (though we can’t use our discretionary funds directly to pay off debt)
✅ Signpost you to specialist help

✅Direct you to resources for applying for Breathing Space or a debt moratorium, which can give you more time to deal with your debt

🛟 Struggling With Debt? Here’s Where to Turn:

There’s expert, free help out there, and we strongly recommend reaching out:

🔹 Citizens Advice – If you’re struggling to pay your credit card – Citizens Advice
🔹 StepChange – StepChange Debt Charity. Free Expert Debt Help & Advice
🔹 National Debtline – Debt advice | Free debt advice | National Debtline
🔹 Debt Advice Foundation – Debt Advice Foundation – Call Our Debt Advisers Free On 0800 043 40 50

💬 Final Thoughts

Debt can feel overwhelming — but you’re not alone, and there is help out there. Whether you’re looking to prevent it, manage it, or just want to chat, we’re here to support you however we can. 💛

#StudentFinance #MoneyTips #DebtSupport #BudgetSmart #UniLife

📣 Let’s Talk: Buy Now, Pay Later – Handy or Risky?

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