Maybe medical bills.
A former neighbor of mine refinanced her house a couple of years ago to re-side and re-roof it. Early this year the payments went up, so she tried to refinance again like they told her she would be able to do because housing prices will keep going up up up...but no dice, nobody would do it. She has had to give up her home because she is retired and doesn't have enough to cover the increased payments. It broke her heart. She's living in a retirement community that takes the rent out of her social security.
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