. >> reporter: like so many americans struggling with debt, for gloria warner, a native of jackson,mississippi, trouble transaction. >> it started out what a call. i went to one pay day and had to get money, and had to go to another to keep up with the payment from the first. it was a cycle that kept going and going. >> reporter: how bad did it get for you? >> it got so bad i felt i was working for the pay day loan instead of paying bills. it was like i had to pay pay day loans then the bills. >> reporter: over the fours of four years she juggled eight different loans. >> i came in one day and looked at my check and i did all the pay day loans and after i did that i couldn't go groceries. >> what was left? >> $20. >> $20. >> $20. >> reporter: in several cities across mississippi, residents struggled to find goods and services including banks. lenders and shops. they rely on these shops to make it meet. where the cost is written in fine print. bill, c.e.o., is working to fill the void left by big banks. it's hard to avoid the connection between race and poverty. we believe that access to import