<prompt> Human: Just some background information.I live in Canada, and my friend is 20M.When he was 16 he got into a bad accident where he ended up causing massive damages and totalling his car. Because he was only 16, it was even worse because he had a full car and only Learners permit can only drive with a fully licensed adult and one other person 3 years later he finally got the bill for the total amount of damages owed and it was 40,000 dollars. Because of this debt, that he has to pay completely on his own without help, hes doesnt want to attend post secondary because itll will just add to his extra debt.So I was wondering if anyone knew any ways he could get more money or possibly reach out to the government to get a good loan for schooling. Ive already tried convincing him with bursaries and etc but he still is unconvinced. I really want him to fox his situation by going to school and trying to get a real career.Any help or advice welcome !  <response>: If he doesnt want to go you cant make him, even if your intentions are good. Plus, there are hundreds of thousands of new graduates who dont have jobs yet. Theres no guarantee that he will be one of the lucky few to land gainful employment afterwards.He also might not be able to work the two jobs he does, and go to school - meaning that he wouldnt be able to make payments on the damages he owes for the next 2-4 years depending on his programschool.Another thing that I think is important to note: Its never too late to go to school. It sounds like this debt is crippling him psychologically. Let him repay it. He can go to school afterwards when its gone 26?. Its like if you have 40k in student debt, you probably wouldnt buy a car for 30k although there is some argument to be made about cars being depreciating assets and education only increasing in value, but just take it.In Canada I do believe there are federal and provincial loans that you can apply for. If his mother is a single mom, hed be likely to qualify for more. He can probably apply and see how much hed get, but it would still be added onto his debt load that hed have to pay later. 