Why don't you just pay back the people you owe $125 a month divided among them. The $125 a month is how you want to pay back this 100BTC loan correct? 10.5 BTC a month, approx $125.
Do note, he may want to pay them all back immediately, and then assign a new contract with a different person on those terms.
The previous people that he owes, may not want to wait 10 months to get it all back, and it may be out of their terms.
So making a new term with another person may resolve the previous terms, and give 10 months of time, vs less time.
Which is perhaps why he isn't doing it that way.
At least that's what I think.