Apparently, it's 80. Not sure what the scale is.
So conversations in the last few days have been exercises in frustration. I had hoped that what he had started the conversation with, was the start of him maturing and looking to solve his problems long term, but sadly, it appears he wants an easy solution only. Doesn't want to do a money management course, says he just needs a consolidation loan. He hasn't hit rock bottom yet, and so I have told him, CAP or similar or no more help from me. I am not wasting my time being more invested in his solution than him.
I don't have a response from that yet, but I am not holding my breath.
Some kids (we have 4) only learn stuff the hard way unfortunately.
Seems like all the boys in this family have the same tendency. I've done my part, so now the call is his. He is an "almost" adult now. Freedom to make choices and consequences.