When did you finish? Did you have a completion letter? Have you spoken to your IP company? Are you still making payments? If you need to you can do a new on but it would be a new one and not a restart.
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