This loan recipient, who prefers to remain anonymous, came to HFLSD looking for a debt consolidation loan. He accrued substantial debt, both in student loans as well as credit card debt. While getting his MPA in public policy, this borrower fell into the “credit card trap,” as he called it, while studying, as he supported himself mostly off student loans and credit cards. He has successfully applied his degree and is well on his way to a prosperous career in political consulting. He now has a stable position at a reputable firm that also allows him time to continue to provide consulting for his outside contract work. This loan recipient’s goals are to save money and get out of debt. In addition to the loan, HFLSD offered him financial counseling which will give him the skills he needs moving forward in creating a stable financial future for himself. He says, “I was very excited to hear about HFLSD and the process has been amazing. I feel this loan will give me a leg up on my path to financial security.”