Hi coney,

I think you have answered your own question, I think it would be better to struggle for a further 2 years, rather than lumbering your self with anymore new loans secured or unsecured. Its clear to me you are switched on and fully understand your situation, under no circumstances would I contemplate an IVA this can ruin your credit record for years to come, its good that your girlfriend is very understanding, and im sure she would agree that for the  sake of 2 years when all your loans are clear the struggle was worth it. maybe complete an income and expendeture sheet to see where all your money is going each month seeing if there any part of your life you can cut back on for example buy asda's own beans instead of heinz. I think if you continue as you are you will have greater satisfaction once everything is paid of and be proud of your self you have realised your situation and you are doing something about it.

 Carl