A person earning 2k per month, has 3 children. He is barely able to cope and has accumulated arrears from hdb( not enough cpf to pay off). How to help him?

I believe that there are various financial assistance schemes available to help your family and yourself cope with the rising cost of living. For your kids, free textbooks, coupons for their recess etc. For your family, some organisations might send daily necessities (toilet paper, biscuits etc ) to your house every month

The other's have answered from the finance POV.

Now I'm going to give an opinion which may offend.

Stop having intercourse unprotected.

There is financial planning but there is also family planning.

You can have the best finances but poor planning on other areas will ruin your plans as well.