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  • Gary and Tina have twin 2 year old who are names Mary and Jerry and the local Ford plant that he worked at closed.
  • Gary and Tina are high school graduates and Tina furthered her education by  to going cosmetology school. Gary is 32 and Tina is 30. Their children are 2 year old and twins. Their income ewas $70,000 per year total.
  • Gary was a factory worker at Ford but will now become a floor layer with his dad who has his own business. Tina works out of her home as her business cutting hair 2 days a week.
  • Gary's receiving unemployment benefits but its not enough to pay their mortgage and all their bills. So he found out the MSHDA step-forward program.
  • That program provided an interest free loan to help them pay their mortgage.
  • Gary is now taking classes to be certified as a floor installer.
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