Priority debts vs non-priority debts: which to pay first

When you can't pay everything, you need to prioritise. The distinction between priority and non-priority debts could save your home.

What are priority debts?

Priority debts have the most serious consequences if unpaid:

What are non-priority debts?

These have less severe consequences:

The key principle

**Always pay priority debts first.** The consequences of non-payment are far more serious. For non-priority debts, you can negotiate reduced payments, enter a DMP, or explore formal solutions like IVAs or DROs.

What to do

1. List all your debts and categorise them as priority or non-priority

2. Pay essential living costs first (food, priority debt payments)

3. Use our Debt Priority Checker to see which debts need attention first

4. Contact non-priority creditors to explain your situation and offer what you can afford

5. Get free advice from StepChange (0800 138 1111) or Citizens Advice (0800 144 8848)