his a gud friend of yours as in good? how come he has a loan of that much 300K (4million pesos) working as waiter? ???? where he put that money? where he spend that big amount? if he has a business, he can return that money? poor OFW! he did not anticipate of what's in the future hayz.... in 5 years where's the savings?

Advice: return all the money he borrowed
2. start again from scratch
hayz....