Thanks for the reply. In respect of partner, he has some debts for credit cards and loan and we're getting married in July so I'm guessing that's a long term relationship! I know that until I get a permanent job, I cannot qualify for an IVA but I am trying to work out what salary I need to aim for a...

I ahve only just started investigating options after realing that I WAS IN BIG trouble with my finances. I have just spent the last 5 years at uni and have taken out various loans (career development/professional studies) in order to do 2 post graduate law courses and qualify as a barrister (which I...