Hi, my name is Rick. I’m retired and on Medicare. I don’t get any other benefits—no food stamps, no Medicaid, no VA. I live with my sister, and more than half of my money goes towards rent.

My car broke down, and it costs $3,000 to fix it, but it’s not worth it. It’s only worth two or three thousand dollars in good condition. So, I need about $4,000 for something that won’t break down to get to medical appointments and to the grocery store, and maybe get out once in a while. Thank you.