Hi
You might wish to consider letting the debt go officially rather than drag $45 K around on the 'never, never' this will depend on your plans for the next five years !
You can also get great & comprehensive support and advice from the following :
www.nationaldebtline.co.uk
You might wish to consider an 'offshore' Sterling online bank and pay a lump sum each quarter into this from Oz and then feed that into your UK creditors.