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All this debt is normal and not indicative of being financially irresponsible except possibly the credit card debt.
However, unless this guy has 20k in the bank there is no way he's paying off 21k of debt in 3-4 months. If he make 95k a year and has a 350k on a mortgage he's probably paying at least 2k a month on the house just in mortgage and taxes. His after tax monthly income is probably 5500ish, but he probably has health insurance which costs at least 300-400, and hopefully he's putting a decent percentage into a retirement account, so maybe another 400-800. Meaning he's got between 2300-2800 a month, but from there comes food, utilities, gas, insurance, entertainment, etc.
Long story short, there is no possible chance he's paying off 21k in debt in anything short of a year, and that'd be best case scenario with a real spartan lifestyle.