Provided are a method and a server for assessing a debt management competency, which provide a determination reference for inducing and educating an individual to rationally make a decision on a debt redemption by progressing the rounds by the predetermined number of times, selecting a specific debt among the plurality of debts and setting the amount of money to be repaid for the debt in an income for each round, setting an assessment grade for a user according to a debt settlement amount calculated in a final round, and providing a user with feedback information according to an assessment grade.