Marilyn B. from Charleston, South Carolina and her husband, retired from the air force, have owned their home for nine years.  They never had a problem paying their bills until this year, with cutbacks in her husband’s work week

When Marilyn and her husband tried to refinance their loan, they were told that their debt to income was too high considering her college loans.  Even though they paid their bills on time, they are unable to refinance their loan at a more affordable, lower interest rate.

Marilyn asks:  “What are the banks waiting for to give people in our situation a loan?  What if the banks were told that their debt to income was too high and we could not bail them out?”

“We are the people who need help right now,” she says.