Picture yourself for a moment in an area where there’s double-digit unemployment. You just lost your job, and even though you have a college degree, nobody’s hiring except Wal-Mart and McDonalds—if you’re lucky, you might find a job for $6 or $7 an hour. But after graduating college last year, you went out and bought a new car and townhouse after landing your first good job. Somehow you have to manage a $
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