Millions of employed Americans are living on the edge of poverty—a precipice where one unexpected expense, sudden illness, or missed payment could mean financial ruin. Segment one of this ABC News program profiles a family of four whose combined income is $18,000 a year. Even with housing assistance, Medicaid for the children, and occasional help from social services, the need for a new starter for their car is almost more than they can afford. Segments two and three present the painful stories of two single mothers who, strapped for cash, were hurt by loan deals they hoped would help them: a tax refund loan for one, a payday loan for the other. (22 minutes)

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