Letters to the Editor
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you can lead a horse to water but you cannot make them drink
Have the conversation, give them a gift of some relevant books, offer to pay their first visit to a credit counselor, etc.
Over the years, I have told a number of people rich if they would follow my advice (live below your means, set up a rainy day fund, save regularly for retirement, , etc). Only one person has taken me up.
I have also helped a number of people become debt free. They taught them how to prepare a budget, how to live on a budget, pay of their bills, etc. Within four years, they were right back in debt.
So help your friends to the best of your ability. But if they cannot see the folly of their ways, don't be the bit surprised when they the train wreck.
SJ