Mackenzie Schultz, 25, loan processor, $552 million Blackhawk Community Credit Union, Janesville, Wis.
Next Step: In 2018, caps were placed on predatory lending, which has paved the way for our credit union, among others, to step in and help our members stuck in a terrible payday lending cycle. Payday lending goes deeper than the need for quick money. It is a lifestyle rooted in misinformation, poor financial decisions and unexpected hardships. Along with our tangible budget tools, we have programs to help save, as well as participating in hard-to-have conversations that can truly save our members’ well-being. Our comprehensive alternative is a process to get our members out of a crippling lifestyle, and back to feeling confident about their finances.