So is it something I can't really look into now?

thanks again, now the interest has gone quite high and it's about £57 a month when it used to be about £28.

With an IVA would the interest be fixed and wouldn't it be better as you could end the debt quicker?

Lastly, if I did want to repay via IVA then how would I start this process?

Thank you, and is there a time period that this payment will last?

Hi,

thanks for you responses. I will be starting working next Month, but I wondered if it would make any difference to payments to sort something out before I started.

When I start working will I then be eligible?

Also, I'm new to this so could you explain what an 80p dividend refers to?

Regards.

If you have a student loan can you apply for an IVA to pay it off?

Also, if you have some savings but are not currently working then can you still be eligible for an IVA?