Hi michelle and welcome to the forum
With regard to your student loan, I assume that you are already making repayments to that via your salary, given that your earnings are in excess of the threshold. That debt will therefore likely be excluded from the IVA.
You are therefore left with a relatively low level of debt, over just a few creditors. Depending upon the level of your disposable income, which you should calculate by taking your take home salary and then making allowance for all household and personal expenditure, including contingencies, then a debt management plan with your creditors might be a better solution.
Either way you should seek further advice, and any of the experts on the forum will be happy to provide this completely free of charge.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk