Help them by giving them financial management advice.  Set out a budget and a repayment plan.  Explain the difference between needs and wants.  Do they realize that credit is renting money and often at a high rate?  It is not necessary to have a snazzy vehicle, designer clothes or eat at restaurants, and just add up the annual cost of electronic toys.  Do not smoke - anything.  Under no circumstances give them cash.  Show them how to consolidate debts at a lower rate of interest and use discipline to pay it  off.  

You worked for your money.  Do not give it away to foolish children.  They will learn nothing if you do and you will be as foolish as they are.

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