<prompt> Human: About 3 years ago his ex girlfriend started using, heroin i believe, she took out a large student loan and racked up his credit and also sold a lot of his stuff, basically everything he owned that she could pawn. He forced her out and he has full custody of their 2 kids now, he even has a good job now i believe he makes upwards of 60k. He doesnt think he can fix it though so hes basically ignored it, I dont think hes sought any financial advice, when i asked him about it he just said he needs to start paying it off.  <response>: Ignoring it isnt the answer.He needs to file a police report or accept that the debt is his to repay. 