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How do I explain why debt on debt is bad to my brother?
I'm not sure how much living expenses are there but half of $12,600 in the US would be a decent monthly income.   I agree that debt on debt would just add to his problems, sort of like quicksand, the interest will just makes a person sink deeper and deeper.  It seems like it might take some more radical options here to pay off the debt. Like, could he move into a much smaller home or get a roommate? How expensive was that vehicle? Could he sell it and pay cash for a much cheaper used one and use the difference toward his debt? How much does he work? Could he get a second job for just a few hours to help make extra money? Is he willing to speak with a debt counselor?