By Paul Kiel, ProPublica

This story was co-produced with Marketplace. Listen to their coverage.

One day late last year, Katrina Sutton stood at a gas pump outside Atlanta and swiped her debit card. Insufficient funds. But that couldn't be. She'd been careful to wait until her $270 paycheck from Walmart had hit her account. The money wasn't there? It was all she had. And without gas, she couldn't get to work.

She tried not to panic, but after she called her card company, she couldn't help it. Her funds had been frozen, she was told, by World Finance.

Sutton lives in Georgia, a state that has banned payday loans. But World Finance, a billion-dollar company, peddles installment loans, a product that often drives borrowers into a similar quagmire of debt.

World is one of America's largest providers of installment loans, an industry that thrives in at least 19 states, mostly in the South and Midwest; claims more than 10 million customers; and has survived recent efforts by lawmakers to curtail lending that carries exorbitant interest rates and fees. Installment lenders were not included in a 2006 federal law that banned selling some classes of loans with an annual percentage rate above 36 percent to service members — so the companies often set up shop near the gates of military bases, offering loans with annual rates that can soar into the triple digits.

Installment loans have been around for decades. While payday loans are usually due in a matter of weeks, installment loans get paid back in installments over time — a few months to a few years. Both types of loans are marketed to the same low-income consumers, and both can trap borrowers in a cycle of recurring, expensive loans.

Installment loans can be deceptively expensive. World and its competitors push customers to renew their loans over and over again, transforming what the industry touts as a safe, responsible way to pay down debt into a kind of credit card with sky-high annual rates, sometimes more than 200 percent.

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Following the tragic Sandy Hook Elementary School massacre in Newtown, Connecticut, a habitually abusive public school administration in Harlem subjected over 300 disabled students and staff to a horrific staged school shooting.

Planned in secrecy, without any warning or notice to any of the victims, desperate students and staff were traumatized and struggle today with the aftermath. Hundreds of stories have emerged of teachers holding doors down to save their students while calling loved ones to say good bye. Staff falling to the floor in prayer. And brave acts of protection and heroism. Some arrived at hospitals for heart pain. 300 fragile students, starting at the age of 12, who have worked all their lives to be strong and overcome emotional hardships were terrorized by this action, and most do not have the voice to respond. Or even to tell their parents.

NYT:

Police officers raced to the school. Some students trembled as they crouched in corners trying to hide. A few staff members began to pray.

“We really thought we were not going home that night,” one teacher said. “It was probably the worst feeling I ever had in my life.”
...

P.S. 79, the Horan School, serves 300 students with special needs, including those with severe emotional disabilities, autism, cerebral palsy and other disorders. The students range in age from 12 to 21, one staff member said.

The lockdown drill began about 10 a.m. on Tuesday with a woman’s voice on the school’s loudspeaker saying, “ ‘Shooter,’ or ‘intruder,’ and ‘get out, get out, lockdown,’ ” said the staff member, who added that it seemed so realistic that it was hard to tell if the woman speaking was actually talking to a gunman or to teachers and students throughout the school.

At 10:01 a.m., a woman dialed 911 from her cellphone and said she had heard a message over the loudspeaker “that there was an intruder in the school, and that she was in the class with her students,” said a Police Department spokeswoman.

Officers from the 25th Precinct station house responded, she said. When they arrived a minute later, school officials told them that it was just a drill.

The school had already been under a genuine alert the same Friday of the Sandy Hook shooting due to a volatile former student who was believed to have entered the building.

On the day of the "lockdown drill," many students began to cry, shake, and scream in horror. Some students ran and hid into classroom closets, under their desks, and others became aggressive —not knowing how to deal with the chaos and fear.

A movement is growing to hold the school's administration accountable for terrorizing the students and staff. The students need help after being traumatized, and the teachers need to be protected from retribution by the administration for exposing this cruel and unusual assault.

There is a petition calling for justice for the students and staff of that Horan school that will be submitted to NYC Mayor Michael Bloomberg, if enough signatures are gathered. If you'd care to join the friends of Horan and sign the petition, it's available online here.

This story struck a nerve with me today, as a friend recently told me of her daughter being bullied on her school bus, and the bullies had posted a video on Facebook to continue their taunts online. She contacted the mother of child with the Facebook account, and asked that she please have the video removed, only to have the woman refuse and say her child deserved it because "she's so fat."

What drives a child to be so cruel to another human being?

Via:

Greece. N.Y. - Karen Klein says she heard students on the school bus call her fat, but she tried to ignore it.

She didn't realize how bad the taunting was until she watched the YouTube video that has sparked outrage.

Cell phone video shot on a school bus Monday shows a small group of Greece Athena middle school students bullying Klein about her weight and threatening to come over to her home and steal from her.

Klein, 68, spoke to 13WHAM's Patrice Walsh at home about how much the comments have hurt her.

"I tried to ignore it...I didn't hear some stuff and tried to shut them out," Klein said.

She was horrified and hurt and she wishes she would have done more to stop the students, but felt helpless.

Klein did tell the bus driver and co-workers about the incident but she didn't think much would come of it.

One comment from a boy on the bus was especially hurtful because he said Klein "didn't have a family because they all killed themselves because they didn't want to be near you."

Klein's oldest son took his own life ten years ago.

The video prompted an outpouring of support and a fundraiser by an international crowd funding site that had gathered more than $100,000 by early Thursday.

"Let's give Karen a vacation of a lifetime. Let's show her the power of the internets and how kind and generous people can be," the fundraiser's organizer said on the website.

The New York Civil Liberties Union has developed a new smartphone app called “Stop and Frisk Watch,” which will empower smartphone users in New York ”to hold the NYPD accountable for unlawful, abusive street stops and other misconduct." Simply pushing a trigger on the phone’s frame will allow you to record, a "Listen" function alerts the user when people in their vicinity are being stopped by the police, and "Report" prompts an incident report, which allows users to report a police interaction they saw or experienced, even if they didn’t film it.

Here's a tutorial for the app, which is available now for Android and in July for iPhone. Happy policing the police!