Jonathan Baird and his wife, Nichole, say they’ve had to decide between making their car payment and buying food since she lost her job in the pandemic. His mortgage and auto lenders told him he didn’t qualify for help.

Jonathan Baird and his wife, Nichole, say they’ve had to decide between making their car payment and buying food since she lost her job in the pandemic. His mortgage and auto lenders told him he didn’t qualify for help.