Woman. Its like looking in the mirror.I too am a teacher with 2 kids stuck in this stupid payday loan hole. I never thought that I a college graduate would be having to pawn her vacuum for grocery money. and its because of the payday loans. I'd be completely fine without them. Hold tight. I know that somewhere in this great worldwide web, there is something. Im going to keep looking and when i get there, I'll let you know. repspectfully, Dolia