I'm sorry but I don't agree with the majority about eliminating your 30/40 £ of subscriptions as it isn't going to make a dent in the fact that you are paying about 600 monthly in loans. I say this for the same reason that people do the snowball method versus the avalanche method; it's mental. When you see that you have 6 out of 10 of your payments being loans, it can feel overwhelming. I suggest consolidating everything into a singular affordable monthly payment and paying a little more than is required when possible.