As the cost of living rises, more people are facing going into debt. Whether it’s your rent, mortgage, utility bills or credit cards, breaking the cycle of debt isn’t easy.

Who can you go to when you’re struggling to pay your debts? How do you prioritise your spending? Can you even negotiate your debts down? And how can you avoid debt altogether?

Felicity Hannah talks to Chloe, Chris, Manga, Christine and James about their debt woes and wins.

And to help advise and guide us through the world of debt they are joined by:

Amy Taylor, Chair of the Greater Manchester Money Advice Group.

Jayashri Lowe, Money Advice Manager at Citizens Advice Stafford North and Stoke On Trent.

Bola Sol, financial coach and the author of How to Save It: Fix your Finances.

For more information on managing debt:

Producers: Drew Hyndman and Sylvie Carlos