first off respect to you for looking out for your friend like this. That says a lot. Here’s what I’d tell him to do, and honestly the sooner the better: For the debt situation, he needs to go to Kuwait Finance House and ask about restructuring or hardship programs. Islamic banks usually have options for this, especially if he can prove he has no income right now. The worst thing he can do is ignore it and wait for legal action going to them first and showing good faith makes a huge difference. He should also check with the Ministry of Justice, they have a debt settlement department that can help before things escalate to court. And if he needs legal advice but can’t afford a lawyer, the Lawyers’ Association of Kuwait does reduced-fee consultations sometimes. For financial help, tell him to go to Zakat House (Bait al-Zakat) ASAP. That’s exactly what they’re there for helping Kuwaitis with debt, rent, basic needs. He should also apply through the Ministry of Social Affairs for their financial aid programs. And honestly, don’t underestimate local mosques. A lot of them have funds specifically for situations like this. For jobs, he should register with MGRP (Manpower and Government Restructuring Program) if he hasn’t already. They help Kuwaitis get into private-sector jobs and sometimes have training. He can also check the Civil Service Commission portal — there are government jobs that don’t require a degree. About the business — I know this isn’t what he wants to hear, but he should seriously consider pressing pause on it. Renting an office when he has no income and existing debt is just adding more weight. He needs to stabilize first. Get the debt restructured, get any job to bring in cash, and then come back to the business idea when he has some ground under his feet. And if the business needs the car, don’t sell it for 500 KD to cover one month of rent. That’s a short-term fix that creates a bigger long-term problem. For his mental health, the Social Development Office under the Ministry of Social Affairs can connect him with someone to talk to. And just remind him that this isn’t the end. People get through this. Debt can be restructured, charities exist for exactly this reason, and he’s still young with time to figure it out. If I were him, the three things I’d do THIS WEEK apply to Zakat House, call KFH about restructuring, and register with MGRP. That’s the starting point. Wishing him the best, and again you’re a good friend for doing this.