New data from Christians Against Poverty (CAP) suggests those aged between 18 and 25 are the least likely to seek help when they are in debt.
With the pandemic affecting jobs and livelihoods, the charity is urging more young people to come forward and access help.
Out of new CAP clients only seven percent were aged between 18-25, according to CAP's recent study, Is Anyone Listening?
Jon Taylor, who runs the Beacon Cap debt centre based in Brixton, London told Premier why young people might be so reticent when coming forward for help: "I think, potentially, there might be some stigma, that by a certain age they should be able to cope on their own, you know, you're setting out in life, you're independent, you feel like you should be able to get things done by yourself.
"But the reality is that the current climate that we're facing, there's so many people that, you know, are perfectly capable of running their own finances, but the situations that they're up against with covid, losing jobs, has meant that it's just not the normal scenarios that they've had to deal with."
Other figures show that 60 per cent of all of CAP's clients waited over a year before seeking advice. The charity is urging people to come forward and access help even if they are just starting to struggle.
"It can often be when there really, really is no other alternative. When the debt collectors are knocking at the door, when the piles of letters just piling up and not getting opened, or you know, they're facing eviction or some tough stuff. And yeah, it just it doesn't have to be that late on into the process. If you're just starting to get into a bit of that.
"If things are looking to be a little bit unmanageable, then call out to us anyway, if that's the case, because the sooner we get there, the sooner we get our help in and we can avoid things spiralling out of control," Taylor told Premier.
If you are looking for debt advice, or help, you can contact CAP on 0800 328 0006 or visit the Christians Against Poverty website.