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People of Earnin: Alison Slater

November 25, 2020

Alison Slater is a New York native. Throughout her life, she’s lived in every borough of New York besides Staten Island. Currently in grad school for social work at Columbia University, her heart for helping people is infectious. Here’s her story:

“After 9/11, I lost my first job out of college. I ended up starting my own home business as an art consultant selling artwork. I would travel up and down the East Coast with my friends and we would do art shows. Even though I wasn’t making that much money, I thought it was the best thing ever because I felt like I could make my own money when I wanted to. I felt independent.

Fast-forward to 2020, I was working as a crisis counselor for a national crisis hotline. Being a crisis counselor was stressful because you're talking to people that can be suicidal and there are times when you're on the phone with someone for hours, trying to talk them out of not taking their own life. You have to have a certain type of heart to do that kind of work, but I still very much loved what I was doing. I worked the overnight shift so when people couldn't sleep or were depressed, they would call me.

Unfortunately, I ended up in the hospital and lost my job. So then I was unemployed and lived in a shelter for three months. The thing that saved me was the fact that I was on medical leave from my university. As a former corrections officer who worked on Rikers Island, I was concerned about the conditions that the inmates were forced to live in. I ended up resigning and decided to become a Peer Advocate with the Legal Aid Society working to prevent incarceration. My supervisor suggested the Social Work program at Columbia University to further my career, which is what I’m doing now.

Being a grad student at Columbia, I was able to get housing. But during that time, there were periods when I didn't have money for food. The great thing about Earnin was that, even though I’m unemployed, I still get to use it while I'm looking for work. It's such a convenience because it's so hard to find work right now. I have a lot of experience, a lot of certifications, education, and I’ve had so many interviews, yet I still can't find work. Earnin’s helped me between checks for food and groceries.

Then, when the government cut the extra $600 out of our unemployment checks, and it really hurt a lot of us. It hurt because people don't think $600 is a lot of money, but when you have rent and a small child, it really makes a difference. I had to get really crafty with how I managed my bills. I changed cell phone companies, so my phone bill went from $200 to $40. I cut out a lot of subscriptions that I had like Netflix and Hulu. I just had to consolidate.

My next goal is to pay off my credit cards to rebuild my credit. I’ve been trying to save with each check that I get because my ultimate goal is to buy a condo and to buy a condo, you need good credit. I'm also going through a separation with my husband so that has impacted my income since he’s not there to help provide for the household. There’s a lot of moving parts but the $100 that the Earnin app provides, it does so much.

After graduate school, I really want to work with families, specifically, helping families make wiser economic decisions. I think families are the foundation of communities. I would like to help educate people on financial literacy and how important credit is. For instance, if they want to buy a house or a condo, teaching them how to do that. Because upward mobility is being able to move up, and that's what helps create good neighborhoods.”

Tell us your story and inspire other members of the Earnin community! If you’re interested in being featured on our social media and blog, let us know at stories@earnin.com.

1Restrictions and/or third party fees may apply,, see Earnin.com/TOS for details.

2Disclaimer: Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit Earnin.com/TOS.

3NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

4Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

1Restrictions on use of Services and/or third party fees may apply, see Earnin.com/TOS for details.

2Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit Earnin.com/TOS.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

1Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

4NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit WeWin Game & Sweepstakes Official Rules. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

5Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin.com/TOS.

6Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

7Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

8Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details

3Disclaimer: Community Member must have had at least 1 successful debit with Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see Earnin.com/TOS for more details

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit Earnin.com/TOS

1Restrictions may apply, see Earnin.com/TOS for more details. Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin.com/TOS

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.Earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See Earnin.com/wewin/pool-rules/ for more information

*Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

**Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

*Survey conducted in February 2020 with 889 participants.

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