Thanks for the advice. The student loan isn’t being debited from my salary as I’m currently earning an insufficient amount. The only reason I enquired about adding it to an IVA is because without it my debts only total £12.5k, which deems me ineligible. Reading around the topic my best bet seems to ...

I have taken a recent and sharp pay-cut (with little chance of short-term recovery) and am now living beyond my means with seemingly all of my income used to pay back debts, direct debits failing regularly and inevitable penile bank charges. I have debts of £8k unpaid to a bank (10k borrowed), £1.5k...