If you go through with it, consider that it will teach you different things and you will become a different person with new buying / lending habits.
You will be debt free at 35 and chances are you will do all you can to not get in to this position again.
It’s right for some, but not all.
BTW .. if you get a payrise you will only have to pay in half of the increase, so you will still be a little better off.
There is always that initial worry and nervousness as it is a big financial change. There are pros and cons to each debt solution so it is best focusing on the positives if you feel it is the right solution for you. It will help you move forward mentally and give yourself a fresh start.
I have arranged many IVAs and can say most people have similar questions as you have - as long as you are getting the support with who you are dealing with so you know you are in safe hands, you can just put it down to it being part of the process for you to be debt free in a reasonable amount of time.
Wish you well.
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