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My potential DRO, help please

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Hi,
ok heres my situation. i'm 22, a full time student, and in around £12,000 of unsecured debt.
I'm currently in a debt management plan which my partner helps me pay for until april when fingers crossed... they change the DRO rules with pensions. or at least decide when they will. obviously this isn't practical, but it helps me sleep at night and stops the phone calls and nasty letters.
if i did go for a DRO when it is available to me, will this go against me? because i have been making payments, but its been either from my student loan, and then my partner gives me money to live on, or he has paid it for me.
i'm also not paying him rent at the moment, as i stay at my mums three nights a week when i'm working late, but in april its all change as we're moving and i will be paying equal rent.
also would they even include my student loans/grants as income? as i apparently if i went for an IVA they would not.
another question is how will i prove that i pay half the rent as I wont be on the tenancy agreement because i'm a student and bad credit rating etc.
I will post my SOA on here, can you tell me if it will be appropriate for a DRO, as i dont want to get my hopes up if they change it in april and i'm still not elligable.

Income
Wages £150 (I can only work a few hours a week due to my uni workload)
Student Maintainence Grant £627 (£1760 every 3 months approx + £500 bursury a year)

Total £777

Outgoings
Rent £300
Council Tax £0 (Students are expempt)
Electricity £15
Gas £15
Water £15
TV License £6.00
Internet £13
Mobile Phone £40
Lanline £10
Groceries £200
Clothing £20
Transport £65 (this is the cost of my bus pass)
Medical £20 (I have three repeat percriptions that i need, and for some reason got told i wasn't elligable for the exemption card!!)
Haircuts £5
Entertainment £15 (this is for my DVD rental subscription, other than that i dont really let myself do much else- can get rid if needed)
Household Emergancy Fund £10

Total £749

Spare Expenditure towards debt £28


Never done one of these before and you guys are the experts so any advice will be much appreciated

Comments

  • dojoman
    dojoman Posts: 12,027 Forumite
    There is a thread devoted to DRO`s at the top of the page, you will get more advice if you post your question there.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • thanks :) ive moved it up there
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