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For years, student loans were sold to young people as “the best value loan you’ll ever get” — something you would barely notice once you were earning. For a growing number of graduates, that promise now feels hollow. Across the UK, millions of people are discovering that student debt is not a short-term inconvenience, but a decades-long financial burden that shapes career choices, family plans, and quality of life. Many are making regular repayments, only to see their outstan

If you’re being contacted about an outstanding balance and you’re struggling to pay, the most important thing you can do is make contact . Ignoring the situation almost always makes it worse. Whether the creditor is contacting you directly, or an agency is acting on their behalf, silence is usually interpreted as non-engagement. That is often when matters escalate unnecessarily. Make contact early If you are experiencing financial difficulty, reach out as soon as possible. Sp

Not all debts are treated the same under UK law. One of the most important distinctions is whether a debt is regulated or unregulated , as this determines the legal framework that applies and who can deal with it. What is a regulated debt? A regulated debt arises where credit is advanced to a consumer. In simple terms, this means money is lent upfront, and the consumer repays it over time, usually with interest or charges. Because lending carries risk and the potential for

Collecting unpaid gym memberships is not the same as collecting ordinary consumer debt. At Stirling Collections, we act on behalf of major gym operators including Energie Fitness and Anytime Fitness, supporting them with the recovery of outstanding membership balances in a way that is firm, compliant, and brand-conscious. Gym membership arrears often arise not because people “won’t pay”, but because of poor communication, misunderstanding of contract terms, failed direct debi

Stirling Collections was created out of frustration. Not frustration with debtors — but with how broken, impersonal, and ineffective much of the debt collection industry has become. Too often, businesses are told they have only two options when money is owed to them: do nothing and absorb the loss, or hand the matter to an aggressive, volume-driven collection firm that damages relationships, brands, and reputations. Neither option serves most businesses well. We started Stirl