✧ have medical expenses not covered by insurance
✧ you receive for public assistance
✧ have immigration-related expenses
✧ are an elder with limited financial support
✧ are an unpaid community organizer
✧ are a returning citizen who has been denied work due to incarceration history
✧ are on a limited or stretched budget
✧ have no savings
✧ have dependents or significant debt that sometimes prevents you making ends meet
✧ are unemployed or underemployed not by choice