Today’s client was 25, working long hours in a restaurant while studying Business Administration on the side. He had recently moved out after his girlfriend left him — things simply hadn’t worked out. Living alone wasn’t cheap, and over time he had built up serious debt. Between consumer spending and tuition, he now owed 12.7 million pesos. That was far beyond what the Angel could offer — especially since first-time loans never exceed 1.5 million. The question was: how could the boy be helped?