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A few taps on a keyboard later, the "Payouts" notification chimed on his phone. It was a temporary relief, like a cool breeze before a storm. He walked out into the bright Louisiana sun, the weight of the debt already settling on his shoulders like the afternoon heat. He had his truck back, but he knew that come next Friday, he’d be right back in that freezing office, chasing the tail of his own paycheck.

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Elias looked at the paperwork for the . The interest rate was a number that made his eyes water—higher than the summer heat index—but his options were thin. He needed to get to the job site in West Monroe before the foreman filled his spot with someone more reliable.