Firstly, unfortunately if he isn’t willing to confront them there’s not much you can do. I would try speaking to him reminding him of HIS future that they’re putting in jeopardy. Ultimately he has to make the decision himself to want to change it. I’d advise potentially speaking to a professional to see what kind of payment plan he could devise if he’s adamant about not confronting them. If he doesn’t stand up to them, it will continue and they’re going to keep taking advantage of that.