God bless you. Many people want a quit fix solution without learning from the poor choices we have made. But we must take full responsability and accountability for why we are in the situation. People are not the solution to clean up our financial situation. If they do, they become our enabler.There are situation, when one looses his/her job or become ill, then one should definately step in to help. Wisdom says "not to live above ones means". I live in a country that is very much materialistic. Tv commerical has created and entice, seduce a disturbance in the heart of people for more material things, and people gets suck in, and spend what they dont have. Dont fall for that anymore, but take care of basic need. I have to be honest though.
Father I pray that this young man will use your wisdom in his finances as he submit himself to Your way of living. Father I pray for this young man change his way of thinking and correct his way so he will not be in anymore financial bondage and be the slave to spending. Hear is what Jesus said in Luke 12:15 And He said unto them, take heed, and beware of covetouness: for a man's life consisteth not in the abundance of the things which he possesseth.
Father I pray also for his salvation. I pray that You send ministering angles, and godly men to minister to him in Jesus name. In the gospel of Jesus Christ, He says "unless a man be born again, he cannot enter into the kingdom of God". Jesus says also " I am the way, the truth and the life no one comes to the father except through Me(Jesus Christ). Jesus says "what is born of flesh is flesh", what is born of the Spirit is Spirit". When we are born of the Spirit of God, then we are His. We must have a convenant relationship with Jesus to live this new life.
Father, I pray Your salvation of his life, the spirit of discernment, Godly wisdom and understanding, all this I pray in Jesus name