Sylvia was in a bind. Then an auto title loan made it worse.

When Sylvia took out an auto title loan, she was desperate. But three months and $1200 in payments later, she still owed more than her original $800 loan amount. She discovered the fees on her loan equaled a 300% interest rate.

Then Sylvia found the Society of St. Vincent de Paul Mini Loan program, funded in part by United Way of Metropolitan Dallas. This program helps victims of predatory lenders convert their loans into ones with interest rates of less than 3%. More importantly, it helps them rise out of the debt trap that prevents them from leading thriving, successful lives.

Within two weeks, Sylvia’s loan was paid off. And not a moment too soon—her only mode of transportation was scheduled to be repossessed that day.