When money gets tight, what do you do? Payday and car-title loans are among the options that low-income Oregonians resort to, according to a recent report from the Center for Responsible Lending . Student loans, car loans, and credit card debt exert a crushing burden on people who make between $20,000 and $30,000 a year. The report includes input from several Oregon nonprofits, including Innovative Changes , which makes small loans itself.