If you are a friend or family member of this freshman, you can consider helping him/her to find a way to pay off debts together. First, he/she should stop betting and face the current problem. Then, ask him/her to list all debts, including interest rate and minimum repayment amount. Next, explore ways to reduce expenses and consider increasing income. For example, you can find a job and use your spare time. When repaying debts, priority should be given to repaying debts with high interest. When repaying, give priority to the debt with high interest rate, and guarantee not to borrow money from the borrower. Most importantly, this student needs to face his/her online gambling addiction to avoid further debt. If necessary, he/she can seek professional psychotherapy help.