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You're listening to Life Kit, from NPR.

I'm Stacy Vanik Smith in for Mariel Segara. A few years ago Lucy Serreso's life

went through a huge upheaval. Lucy is an accountant by training, lives in

Annapolis, Maryland.

She's divorced with a couple of kids, and just before COVID,

she had a stable job, a fancy car, and a big house right on the water.

But during the pandemic, everything changed. I had the life and then I lost it all.

I lost my job. I didn't work for 18 months and I moved out my 6th bedroom on the water home like and I have two kids and I wanted them to have a stable like consistent safe space so I sent them to stay with their dad. I got sick when I lost my when I lost everything like I didn't get back up because I I had

COVID and I had a nervous breakdown and it took me 18 months to get back on my feet.

Eventually Lucy was able to get back up.

She got her health back, she found a place to live, a good job, and all she needed was a car to get her to and from work.

She got a very practical, reasonably priced car.

She thought everything was settled until she got the financing offer.

And when I tell you I saw the interest rate, I almost fainted.

I mean, I'm going to say it's 19%.

I was like, is that even legal? Is that even legal? Lucy realized that her two years of

...