Help advice sought

JCSussex

Hello. Im new to this so please bear with me if this is the wrong place to post this.  I am currently talking to Step Change and completed their online form to enter a DMP (debt management plan). They came back with a monthly figure I need to pay.  Due to a change in circumstances. I asked if this could be reviewed.  The person I spoke to said that I was given the wrong advice and that the monthly amount I had to pay was too high.  She recommended a DRO instead.  I do not want a DRO simply because I rent from a private landlord and when I move, it will be impossible to get accepted by a new landlord.  I am now concerned about step change as being a competent service having been given conflicting advice from different people.  Also, I wanted to exclude a loan from the DMP as it is a loan with a Gaurantor.  I do not want the loan company asking my Gaurantor to pay so decided to continue to pay the loan separately from the DMP.  Can anyone help me please.  Thank you. 

ManyWays

How much did Stepchange originally say you had to pay? Did this take account of you carrying on paying the guarantor loan? what was the change in your circustances or did you just realise that you couldnt pay that much? 

Who is the lender for the gaurantor loan? When did this start and how much more is there to pay? 

JCSussex

Hi ManyWays. Step Change said i would need to pay £689 a month which i feel is a bit steep.  I rang them but got told by a different person to go for  DRO but as I said, that will have serious implications re my moving to a different rental property.   
The guarantor loan is with a company called Share My Loan. The interest rate is obscene!! 

ManyWays

How much is there to repay on that loan and what are the monthly payments? Can the joint lender afford that? 

Could you post a Statement of Affairs here, because these numbers sound odd? https://www.stoozing.com/soa.php