Clinically Validated Screening
This assessment uses the PHQ-9 (Patient Health Questionnaire-9), the same depression screening tool used by doctors worldwide. Your financial questions are interleaved with a real clinical screen — so you'll see the connection between your debt and your mental health.
Progress1 of 15
Question 1 of 15
Your Finances
How many creditors are you currently behind on?
Question 2 of 15
Wellbeing Check
Over the last 2 weeks, how often have you had little interest or pleasure in doing things?
Question 3 of 15
Your Finances
Have you stopped opening mail or answering calls from unknown numbers?
Question 4 of 15
Wellbeing Check
Over the last 2 weeks, how often have you felt down, depressed, or hopeless?
Question 5 of 15
Your Finances
Roughly how much unsecured debt are you carrying?
Question 6 of 15
Wellbeing Check
Over the last 2 weeks, how often have you had trouble falling or staying asleep, or sleeping too much?
Question 7 of 15
Your Finances
Are you currently making minimum payments, falling behind, or not paying at all?
Question 8 of 15
Wellbeing Check
Over the last 2 weeks, how often have you felt tired or had little energy?
Question 9 of 15
Your Finances
Have you considered cashing out retirement savings to pay debt?
Question 10 of 15
Wellbeing Check
Over the last 2 weeks, how often have you had poor appetite or been overeating?
Question 11 of 15
Wellbeing Check
Over the last 2 weeks, how often have you felt bad about yourself — or that you are a failure or have let yourself or your family down?
Question 12 of 15
Your Finances
Has debt caused conflict in your closest relationships?
Question 13 of 15
Wellbeing Check
Over the last 2 weeks, how often have you had trouble concentrating on things, such as reading or watching TV?
Question 14 of 15
Wellbeing Check
Over the last 2 weeks, how often have you moved or spoken so slowly that other people could have noticed — or the opposite, been fidgety or restless?
Question 15 of 15
Wellbeing Check
Over the last 2 weeks, how often have you had thoughts that you would be better off dead, or of hurting yourself?
