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Social Determinants of Health

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Subject:	Re: Study: Payday loans
From:	Chrystal Ocean <[log in to unmask]>
Reply To:	Social Determinants of Health <[log in to unmask]>
Date:	Fri, 20 Apr 2007 12:06:40 -0400
Content-Type:	text/plain
Parts/Attachments:	text/plain (46 lines)

From WISE's book:

"I run out of money all the time for groceries. Because of that, I’ve got
into that payday loan cycle, which is totally screwing me up. The interest
they charge is just outrageous. I just spent $100 interest at one place. It
started out as a loan of $180. They added $50 for something; they just took
it right out. Because of the size of the loan, I couldn’t pay it off in one
pay period. So they reissued the loan – but then that’s another $50. That
$180 loan has cost me $280 so far.

"I don’t really know how I’m going to break the cycle, but when you’re
working you’ve got to eat properly. It’s really tough. Today I’ve got to go
to work, I’m broke and my next paycheque is not for another week. And now a
new policy at work is that they don’t drop off the cheques on payday until
5pm. That’s another day I’ve got to stretch this money out. That’s what’s
got me down today. I work really hard at my job and it does help my
self-esteem, but I’m getting in the hole faster than when I was on full
Disability" (103f).

Policies of Exclusion, Poverty & Health: Stories from the Front
http://www.wise-bc.org/CVProject/book.html

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