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A video played for inmates at the Pima County jail suggests they use the new Transition Center to help them take the next steps and get help for needs such as housing, substance abuse treatment, transportation and phones. The phrase "lived experience" sounds redundant when you think about it. Of course, any experience you've had, you've lived. But really, in many cases, the phrase isn't so much redundant as it is missing a word — "hard," as in "hard-lived experience." That's what the people who staff the Transition Center outside the Pima County jail bring to their jobs — hard-lived experience. And they try to impart hard-won knowledge to the people who pass through, many of them fresh out of jail. The Transition Center has been operating since summer 2023, when Pima County opened it at 1204 W. Silverlake, just outside the Pima County Adult Detention Center — the jail. It's staffed now by five "justice navigators," with one position still open. They help whoever walks in to overcome the next obstacles they're facing. That might mean going to detox, getting a phone, exploring treatment options, resolving a warrant or finding a place to stay. Doyle Morrison, left, and Bruce Donahue, a justice navigator talk, sit inside Pima County's Transition Center, which opened in the summer of 2023 just outside the jail. Staffing the place, though, required "a shift from normal operating procedures," said Kate Vesely, the county's director of justice services. The hard-lived experiences of these staffers mean that many of them have been in and out of jail, most have felony convictions, some have substance use disorder or serious mental illness — not normally qualifications for a county job. "The whole purpose is to hire individuals with lived experience," said Doyle Morrison, 56, who manages the center. "That is what a peer is, someone with lived experience." This local experiment in peer support appears to be working. County Administrator Jan Lesher reported in November that among the more than 1,100 people served in the first year of the center, fewer than 10% were rearrested within 30 days. That compares to 27% in a control group. When the clients come in and find support from people who've been through it all, that's the "secret sauce," Morrison said. "Everybody in here is a peer," Morrison said. "It disarms them and makes them feel safe." Four of the people who staff the center told him how they try to use their experience to help people in troubled moments take positive steps. 'I take pride in what I do' Rosa Lamadrid has a pointed way of reaching the women she sees. "I tell them, I guarantee I've been arrested more times than you have," Lamadrid said. She estimates she's been released from the jail outside of which she now works hundreds of times. Rosa Lamadrid, a justice navigator at the Pima County Transition Center. "There's nothing these women have went through that I can't share something with them about," she said. Lamadrid, 42, grew up in South Tucson and started using drugs with her mother at age 14, she said. The next nearly 20 years were very rough, with a couple of periods of sobriety and management of her serious mental illness. "To be honest, I've OD'd multiple times," she said. "I've relapsed over and over." "It has been a very sad, traumatic, but also a very powerful experience that has made me who I am today," she said. Somehow, there came a time nine years ago when sobriety stuck. Most of all, Lamadrid said, "I was just tired" and "really, really ready." But also, she wanted to help her family through its struggles and simply support herself. She was fortunate that she had inherited her father's home on the Pascua Yaqui Reservation. Her first job was at a Dollar Tree, she said. In fact, some dollar stores have been good places to start for people with a felony record and a desire to move forward, she said. She went on to work at sober living homes and other places before ending up at the Crisis Response Center. She was recruited from there to join the Transition Center. "I take pride in what I do now, because an individual could come in, and the majority of the time, I think very, very rarely we're unable to place them in, like, a detox or rehab or something like that." The exception is housing — sometimes shelter space is scarce. Still, she said, for people in the situation she used to be in, "Now there are a lot more opportunities." 'In the real thick of it' Todd Auge had been banging around Cochise County, getting high and getting in trouble, for years when his moment of truth came. He had planned to skip out on a ride to Tucson to go to treatment, he said, but instead, he walked a couple of miles to a friend's house and made it here, to the home of that friend's uncle. Once here, though, he went to the Salvation Army and dropped dirty — he had smoked meth too recently. The man at their intake told him, Auge recalled, "I want you to go home and drink water. I'll save your bed for a few days." Todd Auge, a justice navigator at the Pima County Transition Center. Amazingly, he did it. Auge didn't go out and get high — he stayed in and drank water, and after that, went to treatment at the Salvation Army. He's been sober more than eight years. Auge, now 53, got trained in peer support and ended up working in wind power before winding up back in jail — this time working for a social service agency inside. "I was working in the pit in there, so I got a real good crash course in short term case management," he said. "You know, helping folks out in the real thick of it — fresh." Auge made his way outside the jail, to the Transition Center, by applying to the city of Tucson, which funds two of the positions in the center. What he encounters most is what you'd expect — people addicted to fentanyl. Sometimes, what allows him to connect to the people he sees as simple as the tattoos on his arms. What "many people don't get is we don't give a (damn) about ourselves in here," Auge said, referring to people in jail and on drugs. "My big thing is getting them to the next place where they can care about themselves a little bit." Helping Indigenous population When Bruce Donahue grew up in the southern part of the Tohono O'odham Nation, moving drugs and people "was the only homegrown business we had," he said. "You know, it was the way that people were able to put food on the table." When he was finally arrested, Donahue recalled, the DEA considered him the biggest cocaine trafficker on the reservation. At the time, it was a source of pride. "When I got clean, it became a source of a lot of shame and a lot of guilt," Donahue said. "Working a 12-step program and really getting back into my culture helped me work out some of those things, and I continue to work on those things." Donahue, 48, is one of the original staffers who joined the Transition Center in summer 2023. "I like to believe that I am able to work with anybody, but I do have a special interest in working with the indigenous population," he said. He told of one 26-year-old who came through the Transition Center out of jail, got a phone and other help, but later relapsed. Donahue helped hook him up with a new 90-day stay in treatment, but he had also violated parole. The real challenge was going to be dealing with his parole officer. Donahue accompanied the young man to the parole appointment, helped get his warrant quashed and his parole reinstated. "We've really evolved in the time that we've been here to meeting individuals where they're at," he said. 'Attitudes are changing' You wouldn't be finding Morrison, the manager, in this modular building if it weren't for an FBI sting operation. Morrison, then a sergeant in the National Guard, was caught up in Operation Lively Green, the 2002-2004 operation in which undercover federal agents paid military service members, corrections officers and other public employees in Southern Arizona to move drug loads. He had been a well-respected and decorated non-commissioned officer who even participated in a counter-narcotics task force before he got caught playing a minor role in the operation. Morrison doesn't share the experiences of life on the streets that many of his coworkers have had. But he's got the bitter experience of losing the life he once had and working to recover the productive life he once lived. And now he, like the others at the Transition Center, is seeing more public openness to helping people despite their transgressions, or because of their afflictions. The public is more accepting of that hard-lived experience, if people will take a step to change. "Minds and attitudes are changing because this opioid epidemic crosses every boundary," Morrison said. "It touches everybody." Too bad it's taken that for attitudes to change, but a good thing the Transition Center, with its experienced staff, is one of the outcomes. Contact columnist Tim Steller at tsteller@tucson.com or 520-807-7789. On Twitter: @timothysteller Subscribe to stay connected to Tucson. A subscription helps you access more of the local stories that keep you connected to the community. Be the first to know Get local news delivered to your inbox! Columnist
Subsplash Acquires Pulpit AI, an Innovative Platform Leveraging AI to Help Streamline Content Creation & Boost Sermon Engagement for Churches
However, the N-Dubz star has since left the jungle following a public vote but viewers of the show are shocked at her actions since. Before heading into the Australian jungle, celebrities often share pictures of themselves in their camp uniforms and the ITV show also shares videos and images of them while they’re in there which they share to their own personal accounts. However, viewers noticed the lack of Instagram posts about Tulisa’s time in the jungle following her exit. Taking to X, formerly Twitter, fans of the show noticed the singer has deleted her posts about the ITV show and her involvement. After leaving the show, Tulisa would’ve been given her phone back so it’s likely she deleted the posts herself. One viewer said: “Why has Tulisa deleted everything from her socials in relation to #ImACeleb”. (function (d, s, n) { var js, fjs = d.getElementsByTagName(s)[0]; js = d.createElement(s); js.className = n; js.src = "//player.ex.co/player/5c433f6b-4b1f-47f6-9d38-3107050cca54"; fjs.parentNode.insertBefore(js, fjs); js.setAttribute('programmatic', 'true'); js.onload = function () { const playerApi237931 = ExCoPlayer.connect('5c433f6b-4b1f-47f6-9d38-3107050cca54'); playerApi237931.init({ "autoPlay": false, "mute": true, "showAds": true, "playbackMode": "play-in-view", "content": { "playFirst": [ { "title": "How much is Ant and Dec's net worth?", "src": "https://large-cdn.ex.co/transformations/production/3dac3c05-257d-45d2-b760-c1524f8b72f3/720p.mp4" } ], "playlistId": "649b581a5f10d80012531ad3" }, "sticky": { "mode": "persistent", "closeButton": true, "pauseOnClose": true, "desktop": { "enabled": false, "position": "bottom-right" }, "mobile": { "enabled": false, "position": "upper-small" } }}); }; }(document, 'script', 'exco-player')); Another commented: “Why has Tulisa deleted all traces of I’m a celeb off her socials?” A third called the singer out, saying: “So grateful you delete all trace of I’m a Celeb on your Instagram ey Tulisa?” After public votes, three celebrities have been eliminated from the ITV show so far. Loose Women star Jane Moore was the first to leave while Dean McCullough, a BBC Radio 1 presenter, was the second to be reunited with loved ones. Recommended reading: N-Dubz star Tulisa was the third to leave the jungle and said: “It is tough in there, leaving is still a happy thing.” Speaking about her I'm A Celebrity experience, she added: “I just think you're more grateful for everything, the food you eat, being around the people you love, the home comforts, just makes you very appreciative of life.” Tonight (December 3), another celebrity will leave the jungle. I’m A Celebrity... Get Me Out Of Here! continues nightly at 9pm on ITV1, STV and ITVX.AP Sports SummaryBrief at 6:46 p.m. EST
None49ers RBs McCaffrey, Mason both headed to IR
WASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Pablo Martinez Monsivais, Associated Press Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. Mark Schiefelbein, Associated Press House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. J. Scott Applewhite, Associated Press Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Jon Bilous Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Olena Yakobchuk Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Bumble Dee Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. PeopleImages.com - Yuri A Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Cynthia Shirk Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members From Q1 2021 to Q4 2022 Up 4% From Q4 2022 to Q1 2023 Up 6% From Q4 2023 to Q1 2024 Up 24% The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates From 3.08% in Q4 2021 to 3.82% in Q1 2022 From 6.66% in Q4 2022 to 6.37% in Q1 2023 From 7.30% in Q1 2023 to 6.75% in Q4 2024 Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Shutterstock The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Jon Bilous Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Photo illustration by Michael Flocker // Stacker // Canva The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Stacker High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. Stacker For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stacker