Have you considered any alternate solutions? You say you are in a lower paid job at the moment and going for a career change. Have you thought about offering your creditors more affordable reduced monthly payments? I know you say you dont have a job set up at the moment, but it sounds like you do hope to find a suitable job, if so, you could offer £1 per month for a few months until you get a job and make a better offer, (this is when you are not in work, currently, you could offer more until you move).
If this is something you would like to consider, there are free debt advisory companies who can offer you an assessment to see what other options are available.
FCL Debt Clinic - http://www.fcl.org.uk 0800 716239
National Debtline - http://www.nationaldebtline.co.uk 0800 808 4000
Or you could go to your local CAB.
All these are free services, and there is no obligation to do anything they suggest.
Hope this helps.
The loan was taken in good faith on your behalf that you had every intention to pay the money back at the agreed monthly payment. Your situation is now changing which has made things difficult for you to keep to the arrangements. You dont sacrifice happiness for the sake of a monthly payment and I'm sure the OR wouldnt expect that of you either. I'm sure you will be fine.