Azlinah Tambu, a twenty-two-year-old single mother who lives in Oakland, California, recently found herself in a tough spot. Her car had broken down, and she needed it to drop her daughter off at day care and to get to work. Tambu, an upbeat woman with glossy black hair and dazzling eyes, didn’t have the money for the repairs. She had no savings and no credit card; she had no family or friends who could help her. So she did what an increasing number of lower-income people do in…
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