In an IVA, assuming the same £300 disposable income, you would pay, if you agree to a 5 year IVA , £18k (plus an extra year if you are a homeowner and unable to release equity).
"Through the courts" --- I assume you mean bankruptcy. For this you will have to pay for 3 years at a similar level to the IVA or DMP (basically your agreed disposable income).
In an IVA or BR the costs will come out of your monthly payment NOT be in addition to it, and is effectively covered by the creditors not you, unless you manage to pay back the full debt -- which does sometimes happen (although rarely) if you, say, win the lottery, get an inheritance or a massive pay rise.
In an IVA you pay back what you can afford and at the end of the successful term any unpaid balance is written off.
Any costs come out of the creditors dividend so are approved and effectively paid, by creditors.
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