Thank you Joelle, MintJulep and Sean. Your answers all have a consistent thread: He has to do it himself. I guess my role becomes being his advisor, cheerleader and shoulder to cry on. It is hard to watch, no doubt. He is genuinely struggling, both emotionally and physically. That is the hardest part for this mama bear to watch. I have gotten him to come clean about his debt and asked some hard questions about his spending. I am working with him on creating a budget and advised him to liquidate some of his belongings and to put the $ earned directly in to his CC with the least balance.
Anyway, thank you all for taking the time to share your advice with me. I truly appreciate it. And Sean, it is actually a blessing that you learned this lesson so young. Good for you! =-)