As things stand she is liable for the full loan repayment unless she can come to an arrangement with the lender. They might be willing to apportion your share of the loan to your IVA and only require her to pay her "half" -- although I would be surprised if they were that generous ! Alternatively, if she can afford it, she can make the payments in full and you repay your "half" to her after the IVA has finished.
Unfortunately as it was joint and several debt she is now liable for the whole sum.
She may need to take insolvency advice/procedure herself.
She may be able to claim as a subrogated creditor of your IVA.
Even if you wanted to help I can't see how you would afford it given that the majority of your surplus income is normally set as your contributions in the IVA...
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