[user104658]

Originally Posted by Candy Cane

you need to start chipping away at it, can you move some if not all of it to an interest free credit card so that you can at least start paying off some of the capital?

Our household income will increase dramatically when my wife finishes Uni in 18 months, I'm happy enough coasting along until then. I can't get any decent credit cards until 2019 either because my credit rating is heavily affected by a default in 2013 - £60 on an O2 mobile contract that I thought was finished! (Moved house around the same time, they couldn't or didn't bother to find me, registered it as unpaid... big red mark, ugh)