You are not alone , I am 25 years old and in my first year of my iva and most days I feel such shame about it , but then I remember why I got the iva ,
I was in a mentally Abusive relationship for 4 years and wracked up 18k debt to keep my partner happy ( he wasn’t a uk resident so found it hard to get credit ) and used me to finance his expensive lifestyle , I then found out after moving out of my family home into a flat with him that he was cheating on me with multiple women . Because of how much debt I had in my name I didn’t leave him as I new I couldn’t afford the rent and bills plus my debt on my own , until I found out about getting a iva , this has enabled me to Chuck him out of the flat , I am managing my living finances on my own and my debt to . I am so much happier living on my own and without the mental abuse from him , but I do have really low days where I feel shame about being so young in a iva and having to explain it to any future boyfriend . But you should be proud you are taking the responsibility in sorting your finances and debt

it’s a long road but I know once the final month comes being debt free will be the best feeling ever , and if anything I have learned that I will never ever let anyone take advantage of me financially again , and I will never get into debt . Keep your chin up x