Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I found myself in the same position as you and managed to get a 6 month payment break which was extended to 12 when I still couldn't find full time work.
If you haven't done so already, ask your IP for a payment break.
Unfortunately, my IVA is doomed to fail at the end of this month, as although I am now self-employed as a sole trader, I am not making enough to meet the payments that are due to recommence at the end of August.