I'm looking for some advice regarding my debts because frankly I'm an idiot and don't know where else to turn.
My situation is so:
I have £10k or so left on an unsecured Natwest Loan which I originally took out back in 2015 but have rescheduled a few times, I'm pretty sure it's supposed to run for at least another 4 years at around £300 a month.
I also have £1900 on a 0% credit card which doesn't run out till September 2019. I will however pay £300 or so off this next month.
I also have phone and tablet contracts which run to about £960.
I move to Canada at the end of August to start a doctorate, they are giving me enough scholarships to cover my fees and have about £10k afterwards. I'm intending to look for a part time job over there and can work up to 20 hours a week during term or any amount of hours during the summer.
I originally was in a job where I earned £26k pre-tax so going from that to £10k even living as a student will make it impossible to cover my debts.
I want to find some way of paying my debts off and definitely want to avoid bankruptcy, an IVA or anything of the like as if I wanted to stay in Canada the immigration authorities would, from what I understand, take a very dim view of it.
I've spoken to a debt charity who have said they probably could help but are only willing to speak to me properly after I've finished my job on the 20th of July. I would like to try and sort something out before then so I can stop worrying and beating myself about my idiotic credit habits! It'll also the last thing I need when added to the stress of having somewhere to live in Canada etc...etc...
Many thanks in advance for any advice anyone can give me