i have my iva but are they so tightly done so as ou cannot aford xmas or birthdays or a pint in the pub after weeks work or a holiday ever again...all bills worked out they take the rest !!

are there any bad points to consider with an ivf,as ive just been offered one with no upfront fees.
i owe around 25000,and am told i will only have to pay around 250 a month and after five years will be debt free.
whats the catch ?