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      "text": "1. Hamdani, Kausar, et al. \"UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.\" NewYorkFed.org, 2019\n2. LendingClub Corporation. \"New Reality Check: The Paycheck-To-Paycheck Report: The Credit Edition.\" PYMNTS.com, May 2, 2022\n3. Bennett, Karen. \"Survey: Less than half of Americans have savings to cover a $1,000 surprise expense.\" Bankrate.com, January 19, 2022",
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