Maria Galvan used to make about $25,000 a year. She didnвЂ™t qualify for welfare, but she still had trouble meeting her basic needs.
вЂњI would just be working just to be poor and broke,вЂќ she said. вЂњIt would be so frustrating.вЂќ
When things got bad, the single mother and Topeka resident took out a payday loan. That meant borrowing a small amount of money at a high interest rate, to be paid off as soon as she got her next check.
A few years later, Galvan found herself strapped for cash again. She was in debt, and garnishments were eating up a big chunk of her paychecks. Read more