Hi, I have got myself into just under £18000 of debt over the last 18 months in the following A&L Loan 10172.40 - 49 months of £207.6 left to pay A&L C/C 3450.00 - Monthly repayment of approx £85 APR 24% p.a Tesco C/C 1700.00 - Monthly repayment of approx £55 APR 0% until 12/09 A&L O/D 300.00 - Monthly payment of £15 Natwest O/D 2000.00 - Wages go into this account monthly 17622.40 - Repayments Approx £400 per month Added to this I pay board of £200 per month and other costs of living are meaning that after my salary goes into my account (£840 pm) I have vertually nothing to live off and whilst my loan is slowly being paid off the C/Cs and overdrafts are only being reduced by approx £5 each per month. I have been trying to avoid the issue over the last few months as I have had other things building up and it has come to the point that I cant cope and need to sort things out. I tried to call A&L today to arrange reducing any interest so that I can start paying off my debt but they said that I would need to earn more money for them to reduce the interest???? I dont know where to start and what to do, I have been contacted about IVAs but I dont see this as a viable option and want to pay back the full amount that I have borrowed. I am currently living with parents but will be needing to move out in the next few years, if I had to move out now then i just wouldnt be able to afford anywhere so need this sorting out asap. Any help or advise would be really helpful as to a starting point.