Create a program for lower income families to help with getting reliable transportation. Not decreasing the value of a vehicle, just lowering monthly payments to make it more doable for everyone. If someone is working full time but has a poor credit score, they probably can’t afford 450+ a month plus insurance for the vehicle, make that payment go to 200 for a longer time and it becomes more achievable. Or have payments based off income from an employer considering hours worked and time spent at that employer.
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