It isn't easy for us without Tom, but you learn a lot. The bank didn't seem interested and a friend said, see a credit union. So I did, and they really helped me organize my finances. I was a person, not just a loan account. Well now I've got a job I like and we've got a future. I'm saving with the credit union, and we both are. Credit unions put people before profit. So why bank when you can credit union?