X2 option #1
Friend needs to stop spending except for essentials (home, food, medical) & pour every single cent towards that 20% card. Pay minimum on 0% until high interet loan is paid than redirect. It takes discipline. I dug out of 45k plus in debt so my experience, strength & hope includes keeping a daily spending journal that includes every single cent spent & every single cent that comes in. I also sold alot of my possessions, worked side gigs, cut phone, gym, haircuts, etc. There is no free lunch. Also finding out why I overspent was extremely helpful in order to develop new money habits & change my lifestyle. Now am FIREd no debt anchors it can be freeing if your friend is honest, open, and willing. HOW. Nice you are a helpful friend setting a positive example. Good luck.
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