<prompt> Human: Hey guys, I need your help. My friend is homeless, or well he is house hopping and spending a week at a time at drifferent friends houses. He only has a backpack full of clothes and an Xbox to his name. Fresh out of high school, his parents kicked him out and he has no financial support from them. Just recently he got a job at the local subway and so he is waiting on his first paycheck to save it for a cheap apartment. Him and I have been talking about his situation and weve come to the conclusion that he should get a bike to take him to and from work, and he should take out a loan to pay the down payment and security on his apartment so he doesnt have to house hop anymore. Enlisting is an option, but he is quite out of shape. He is starting to work out until he is physically capable of enlisting. I do not believe this is the best strategy for him, but I do not know enough about finances to give him perfect advice. What do you guys think? Any tips or help would be greatly appreciated.  <response>: I dont know man, if people are willing to help him out I think I would avoid going into debt. When you are trying to build yourself up, debt can be a very difficult thing to manage. 