He needs to contact his creditors to try to arrange a repayment plan, maybe they will freeze the interest.
When your friends creditors lent him the money it was on the understanding that it would be paid back with interest so he can't complain about that even if paying it back takes a long time. Your friend will probably have to live on a very frugal budget until the money is paid off.
If your friend really doesn't have the money to pay the loans back he could consider bankruptcy, but this is by no means an easy option.I assume you live in England or Wales.

Thats a serious amount of debt and he needs some proper advice from a professional insolvency practitioner – not a debt management firm but a licensed government appointed IP.

If he had gone down the route of bankruptcy he could have been debt free for 3 years by now and in an IVA he'd be well on the way to debt freedom. He needs professional advice though as they are not suitable for everyone.

You can find them in the yellow pages or I can suggest one in your local area if you email me.

 

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