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I'm not sure this is the right forum for this question, so let me know if I need to move it. Additionally, I wonder if this ought to be split in two posts - one about how to pay off large medical bills, and another about how to get to tertiary school (probably not university) with a history of drug use.

Context, my friend lives in USA.

A friend of mine (no, really) is in a bad spot. He owes $80k in medical bills; he's only vaguely described why he owes that much, but the fact (and bills) remain. For someone who has fortunately never had to deal with so much medical debt, what's the best way to get started on paying it off?

I figured he needs to get started paying them off, but he currently has no work. Before I knew about the medical bills, I told him that it might be worth looking into vocational training. I think he would need a loan, but I remember with FAFSA they were always asked about drugs. I asked, and apparently he's never been convicted (though he has OD'd a couple of times). Does drug use preclude him from federal student loans?

Any other tips people might have for me/him as we start down this long road of recovery?

Thanks for the tips!

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    In debt with no job? Why not declare bankruptcy? – Glen Pierce Jul 1 '18 at 5:20
  • What type and how many different entities is the $80K owed to? (Insurance companies, hospitals, doctors offices, etc.) – TTT Jul 2 '18 at 14:32
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    @GlenPierce Hell, even with a job, $80k in medical debt might well be worth exploring bankruptcy. Here it seems like the obvious solution. – ceejayoz Jul 2 '18 at 18:56
  • @TTT I wish I knew - he's been kinda secretive. – Nate Jul 3 '18 at 16:32

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