Just under 70 percent of American families own their homes. But it can be awfully tough for many working Americans who live paycheck-to-paycheck to save enough for that all-important down payment.

That’s where a network of local programs comes in — to help people learn how to save and give them a boost toward their goal.

Thirty-two-year-old Maria Cruz is raising four boys on her own. There’s Evan. The inquisitive one —

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This bill would put teeth into the Arkansas Constitution’s usury limit of 17% annual interest on consumer loans, which was adopted by the people of Arkansas in 1982 as Amendment 60 to our state Constitution.

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