I wrote this under the assumption that he is an international student:
Been there, done that. International student, trying to get degrees in the US (including a professional one). I had to juggle the substandard work I was allowed to get, scarce student loans (none available until the professional degree), and credit cards I had to use to cover emergencies brought about by the shoestring budget. This guy seems equally stretched.
I did a fair amount of late payment triage, delaying things on alternate schedules until a summer or winter job allowed me to catch up for the next cash crunch.
One bill was never late: rent. Without a place to live, all else would go to hell. I am sure there were laws protecting renters and that I could cause trouble to a landlord, but high-achieving international students do not think like that. They know they are at the bottom of the pile when it comes to free resources, and do not have the time or inclination to navigate the ins and outs of legal fights. This guy wants to finish his degree and is very unlikely to do anything to jeopardize his access to a bed, shower, and quiet place to rest and study. He would not be where he is if he did. This guy is a hustler who is doing whatever it takes.
However, if he is not an international student, things change considerably . He did not have the grades to get into a domestic medical school so we went abroad. Upon return, he lived above his means when he could have figured out a way to get a part time job while getting his other degrees so that he could keep up. He did not do what he needed to do while at university, and continued not to do it after he got a "break" at his foreign medical school. I wouldn't rent a paper clip to someone like that, much less a room in my house. This guys squandered the opportunities that were offered to him and still does not have his shit together way late in the game.