In this episode viewers will follow Laura as she tries to get a loan to set up her own grilled cheese sandwich bar. The team also meet Rebirtha, the amazing retired teacher, who following a stroke was turned down for a loan to insulate her house by the people she'd banked with for 15 years before being ‘saved' by a credit union. Plus a loan helps a young woman retrain as a nail technician and the story of credit union employee with first-hand experience of being deep in debt.