Get him to study for a semester. His education would be free (if he hasn't studied before). He could claim 1k interest free for course related costs. There's 1k wiped offf his debt. He could probably get an interest free student overdraft (I was able to get 2k). He might be eligible for a student allowance to supplement his income. Once he receives an allowance, he'll be in "the system", so he could probably ask for some sort of extra financial to help him get on top of his bad debts. Not bad being a student aye.
I'm surprised he was rejected by Harmoney. I invest with Harmoney and the bar seems to be quite low.