Noah and Tamara learned about Hebrew Free Loan of San Diego from their local Chabad. They are working towards a “debt free journey” and they would like to improve their credit score by reducing their debt with the ultimate goal of being able to qualify for a mortgage. A HFLSD Debt Consolidation Loan was a perfect fit for them. Tamara has a stable job however Noah was recently laid off and is awaiting unemployment. Noah is actively searching for jobs and is doing freelance work. They have been aggressively paying down all of their debt and are trying to stay with a cash only model moving forward. They do not want to accumulate any more debt. Their model is that they “take out cash at the beginning of every month and that is what we use. It helps us question our usage and what is necessary and what is not. It is a critical part of avoiding any future loans. Being fiscally responsible is important to us and we are grateful that HFLSD can help us on this journey.” This Debt Consolidation loan will allow them to pay off their car and lower their monthly expenses so they can continue on their “debt free journey” and be able to pay it forward to the next family in need in San Diego.