explain roxys plan to help tom.Well this plan work? what are the facts in the plan?

He reveals to Roxy the danger he currently faces from his creditors, and his mother comes up with a plan to hold them off for a while. Specifically, Tom will offer to pay interest on his debts and will use the loot he recently stole in the raids to meet this interest obligation. Then when Judge Driscoll dies, he can use his inheritance to pay off the remaining debt. Roxy then tells her son that his drinking and gambling days are over. Further, she says that she will follow him to St. Louis to ensure he behaves himself.