All In Aint Nothin' your a good guy.
Not sure if punz is telling the truth though.
Wouldn't consider myself a good guy. I'd consider it semi-reckless with money. I was blessed as a kid and my parents were good people and worked there butt off to get where they were. They rewarded me as a child and set me up for a while. Then I worked and got to where I want to be. Soon will have a very rewarding job and to be honest I just don't put as much value in money as I should.
Also I don't necessarily feel sympathy for him, but I've had friends in that spot before and it's scary and painful to watch. Debt in any form is scary and if he's truly 18 and experiencing this I can feel for him. Life isn't easy for everyone and the demons get some people. I hope everything works out and I hope he isn't pulling anyones chain.