<prompt> Human: So my buddy is close to 100k in debt, all of which is credit card debt and personal loans. He has no job, is a full time student, and spends way too much on luxuries. Hes recently realized how bad his situation is but has no idea how to fix it. Hes in a U.S. University, but is an international student. He cant work here, and the only way I can help him is to teach him frugal living. What can he do? Any advice would be greatly appreciated.  <response>: Omg , i thought my situation was bad . 