Somehow there was a point he started talking about his bills and how he's struggling. He showed me a pretty impressive stack of bills he hasn't paid this month. I told him I understand, I'm in the same boat. He said "There's got to be a better way..."
So I'm thinking maybe I'll tell him I know one...
I think he might be just waiting for you to say it. Of course, I could be all wrong! But, the way I look at it, at this point, it is hardly a risk, anyway.....