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Need further assistance? Please call Member Services at 1-800-333-0663 Payday Loan Alternatives Becoming More Widely Available Aid is flowing to community financial institutions, so people who need to can borrow without taking on crippling debt By Brian Vines Illustration: iStock In the winter of 2016, Missy Juliette, now 36 and of St. Paul, Minn., had to choose between paying the rent and settling overdue heating and electric bills. Her credit cards were maxed out, and her wages were being garnished for back taxes. Getting a small loan from a bank wasn’t an option, nor was borrowing from family. “I’d asked them for money before and couldn’t face the humiliation of it,” she says.

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