With that level of debt you would be unlikely to get an IVA. Your student loan wouldn't be covered either.
If you have no assets and less than £50 a month disposable income after your priority bills have been paid, you could consider a debt relief order, or if you are working part time a debt management plan might be an option.
I would speak to a professional. Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice.
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
