Check If You Qualify

What financial support is there for families in Scotland?

Sharon McDougall - Updated - 3rd May 2024 - 4 minutes to read

If you’re struggling to make ends meet as a family, there are a number of grants and loans available in Scotland that can ease the pressure, particularly if you’re on a low income or are in serious debt.

Can I use a Best Start Grant?

The Best Start Grant consists of three separate payments that help parents on a low income and receiving certain benefits to cover the costs of bringing up a child. If you’re eligible, you could receive: Pregnancy and Baby Payment

This is intended to help pay for equipment such as a pram, cot, or maternity clothes. An application can be made from the end of week 24 of your pregnancy until your baby is six months old. Early Learning Payment

The Early Learning Payment is designed to cover the cost of bringing up a child of pre-school age – perhaps paying for home learning equipment, books, or days out. School Age Payment

The School Age Payment is available to claim from 3rd June 2019, and is intended to help you pay for school-related items such as a school bag, educational day trips from school, or other extra-curricular activities. Applications for the Best Start Grant can be made online via the Scottish government website, by telephoning Social Security Scotland, or by post.

Scotland Debt Calculator

Get a rough indication of what your repayments might be under each of our different debt solutions.

Your Total Debt

£0 - £5,000

£5,000 - £10,000

£10,000 - £20,000

£20,000+

Your Employment Status

I am employed

I am self-employed

I am unemployed

I am a student

I am retired

Your Total Monthly Income

£0 - £1,000

£1,000 - £2,000

£2,000 - £3,000

£3,000+

What can you pay monthly towards your debt?

£0 - £100

£100 - £200

£200 - £300

£300+

How do Scottish Welfare Fund grants work?

The Scottish Welfare Fund (SWF) is part of a national scheme, and is provided by local authorities in Scotland. It helps people and families in crisis or in need of community care assistance. Again, money is provided by way of two grants, and so doesn’t need to be paid back. Crisis Grants These are designed for individuals and families on low incomes who are in the midst of a crisis – perhaps due to a fire, if their home has suffered critical damage, or in cases where money that was earmarked for bills has been lost or stolen. Community Care Grants Community Care Grants help families under serious pressure to limit disruption in the home in a practical sense, and maintain a settled home life. To apply for a Crisis Grant or Community Care Grant you need to contact your local council. The Scottish government currently allocates £38 million per year to run the Scottish Welfare Fund and if any local authority doesn’t use their full allocation the money is carried forward to the next year.

Cold weather payments

You may be eligible to receive cold weather payments if you’re claiming certain benefits, you have a child below the age of five living with you, or a child who is disabled. The cold weather payment timeframe is 1st November to 31st March. If temperatures fall below freezing for a period of seven consecutive days during these months, a payment of £25 is made for each period. Payments should be made automatically to your bank account within 14 days of the cold spell.

Budgeting loans

If you’ve claimed certain welfare benefits for six months, you may be eligible to apply for a budgeting loan from the government. These loans are interest-free and allow people and families on low incomes to pay for important items they wouldn’t otherwise be able to afford. These can include the costs of moving home for example, furniture, payment of rent in advance, property maintenance, improvements to home security, or costs associated with job-hunting, but this list is not exclusive. Loans start at £100 but you could be eligible for up to around £800 if you or your partner receives Child Benefit payments. Loans should be repaid within two years and are deducted from your benefits, with weekly amounts being dependent on your income. You can apply for a budgeting loan online or by using paper form SF500. If you’re successful you’ll receive a letter outlining the loan terms - if you agree the terms you need to sign and return the letter, and the loan amount will be credited to your bank account within around 12 working days.

Free debt advice for families in Scotland

If your family requires financial support, Scotland Debt Solutions can provide tailored advice on all of the above grants and loans. We also offer guidance on escaping debt using the various schemes available in Scotland, including the Debt Arrangement Scheme (DAS) and Debt Management Plan (DMP)

facebook colour icon linkedin colour icon messenger colour icon whatsapp colour icon email colour icon
Sharon McDougall Square

Sharon McDougall

Manager

Other Articles

What to do if you are in debt to Clearpay Stressed woman looking at debt bill

What to do if you are in debt to Clearpay

Clearpay lets you spread the cost of your purchase through 4 instalments, due every 2 weeks. The payment option is available online, through the Clearpay app, and you can also use a digital payment ca...

What to do if you are in debt to PayPal Man holding a credit card

What to do if you are in debt to PayPal

Buy now, pay later (BNPL) services are gaining popularity due to their easy access and flexible repayment options. BNPL is highly appealing as it lets you spread the cost of a purchase, rather than ma...

9 practical tips for cutting your household expenses Household Expenses

9 practical tips for cutting your household expenses

We all want to save on our household bills and have more money in our pocket for the fun things in life. While bills are an unavoidable fact of life, here are some ways you can help to reduce them:

About

Why Choose Us

Usp Discussion

Speak Direct With

A Qualified Adviser

Headset

We Don't Operate

Call Centres

Usp Location

5 Offices in Scotland

National Coverage

Usp House

Ask us About

Home Visits

Usp Award

Fully Regulated Advisors

From a Reputable Firm

Usp Hand Heart

Helping Scots Get

Out of Debt Since 1989

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

Tools

Useful Tools

Personalised Debt Report
Usp Planner

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
Instant Scheduled Call & WhatsApp
Headset

Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

Arrange Callback
Find a Local Office
Usp Signpost

Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Find an Office

OUR SERVICES

We can help you with...

Sequestration

Sequestration

Sequestration is the Scottish version of bankruptcy and may be suitable for you if you do not have the money to pay back your debts

Find out More
Trust Deeds in Scotland

Trust Deeds in Scotland

A Trust Deed involves making a monthly contribution to your debts for up to four years. After this time any remaining debt included in the Trust Deed will not need to be paid.

Find out More
Debt Arrangement Scheme (DAS)

Debt Arrangement Scheme (DAS)

A Debt Arrangement Scheme (DAS) lets you pay off your debt through a series of manageable instalments over a reasonable length of time.

Find out More
Business Debts
Icon Briefcase

Business Debts

Whether you are a sole trader or a limited company director, we can help you work through your current financial problems including money owed to HMRC

Business Debts

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners