Surah Waaqiah bro.
Learn it, recite it often.
I wouldn't say £18,000 is what will get you back on track. Even a pound can have more barakah than a that amount. It is barakah you should be praying for, and an increase in your rizq.
Also, the post above mine is correct - it is better to have no loan and live the way you are, than to get a loan (which is interest based and haraam for us).
An increase in Rizq could come in the form of a job - the art of saving money is something else though. Don't get complacent and start spending on material things just for the sake of wanting something. "Want" is not "Need". This will determine whether you are worthy of an increase in barakah and rizq - your understanding of what the money should be used for, and following that idea.
Use it on good things.
Scimi