Ten years ago - long before the foreclosure crisis became a front-page story - Krystie Rafko didn't see a risk in an adjustable-rate mortgage.
A newlywed and recent college graduate, she hoped the loan would help her settle into West Toledo.
"We were 22 and we didn't know any better," she said.
In the years since, Mrs. Rafko, a special education teacher, was laid off and took a new job in Ann Arbor, while her husband, a registered nurse, saw his hours reduced at St. Vincent Mercy Children's Hospital.
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