Pretty slim that the IP will agree -- but might if it is a genuine case of "no transport - no work". Then, if they do, it is equally slim that someone will provide the finance on a less that "break your legs if you don't pay" interest rate !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
They might allow you a payment break but you will be limited as to what you can get. Foggy survived on what he called 'Ebay bangers' during his IVA.
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