There are certain benefits that mean that part of the fee is reduced.
I would suggest having a word with the CAB or one of the experts that post on here to see if there is anything else you can do. The advice is free.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant