he's just shifting debt, not reducing it. he'll end up paying more interest and staying in debt longer. now that he feels more comfortable with a smaller monthly repayment, there's a good chance he might borrow again. it’s more about avoiding discipline than solving the root issue.

honestly, it’s short-term comfort that leads to long-term burden but i wouldn’t argue with him. people have different financial mindsets. it’s not necessarily wrong, just his personal choice and lifestyle. we need to accept that there are people like him in society. the best we can do is break it down for him and let him think it through. if he gets it and tones down his spending, great. if not, that’s his path. you’ve done your part as a friend.