SHIFT – The Only Affordable Car Ownership Program in Arizona
Abstract
Approximately 1.2 million men, women, and children in Arizona currently live below the poverty line. An additional 300,000 individuals live just above the official poverty line in Arizona according to the U.S. Census. (Census 2015)
Low income families earning an income near the poverty line are often caught in a difficult predicament. They have reached a level of stability where they are no longer in immediate crisis, by finding low wage employment, they may no longer be as reliant on government benefits. Yet, they are still living paycheck to paycheck hoping not to fall off the bottom rung of the economic ladder. For these working poor families, predatory lenders are a major threat to their long term economic independence. Although a vehicle purchase can be the catalyst for a family moving out of poverty, it can also be the start of a debt spiral that cripples their financial security.
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