This is pathetic.  Someone should teach these people how to manage their limited money.

"$600 electricity bill, $350 mortgage, $45 water, $300 cellphones. $98 cable tv, $35 Internet, $315 furniture, $35 car insurance, $60 life insurance."

Right off the bat, I see $435 per month that can be saved.  They can't afford cell phones, so shouldn't have them, just like the good old days when nobody had one.  Cable is a luxury, internet is a luxury.  If the really need internet, go to the local library a few times a week.

Furniture on credit? Probably a ridiculous interest rate since payday loans are listed. Take the credit hit, stop paying for the furniture and give it all back. Use $400 at Goodwill and classifieds for used furniture.

Hey, there's another $315 saved.  With one minute of thought, I just cut over $700 of expenses, saving 35% of their monthly income.  Education is what they need, not subsidies!

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