Joni signed up for low-income housing, but there is a two-year wait. She goes to the food bank, but it can only provide enough food for 3 days a month.
She is already paying 40% interest on her credit card. The only loan she can get is from a payday lender—at even higher interest rates. Joni is caught in a vicious cycle. She can’t live on what she makes and pay back her loans.
