Maya Gray, a single mother of two in Chicago, was at rock bottom in late 2012. She'd lost her six-figure job as a business process change manager in the Chicago office of a European multinational that was downsizing, and by Christmas of that year she'd fallen behind on the mortgage payments on her home.

But after nearly two years of joblessness, she's back on her feet with a new, good paying job, this time as a process change manager for Blue Cross, and her mortgage payments are on time again.

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