You would probably be paying about the same, but for another 6 years ! You have more ability to lower payments in a DMP -- have you discussed the difficulties with the budget with your DMP provider ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/
Also, it won't be a joint one but an interlocking one.
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.