At 37 it will be tough to explain still living at home. He doesn't even have the excuse that he's working on education and is only with his mom temporarily. I don't see him getting girls very easily until he changes his situation. He'd have to work around his situation just to find a good place to smash.Or be in more debt that he can't pay back assuming he even gets a loan in the first place. There is only one thing worst than being unemployed. Being unemployed with a big student loan debt you can't pay back because you don't have a job.
That's blue-pill talk. He's not gaining any skills by not dealing with women until x,y,z,. His life is in order enough to make videos and post them on youtube. Guess what, other people who have jobs or are not living with their parents also complain they can't get girls, and even make videos and post them up on youtube.
Think about this. You have a manosphere, MGTOW, incel, black-pill, etc.... oh, move out of your parent's house, problem solved. Everyone that's part of MGTOW really just lives with their parents. Really buy that ignorance?
As for debt, it's not ideal if he doesn't plan to get employed, but he should have the goal of starting a career and being self sufficient.