Mr. Ehrenpreis of the Chicago Cutters' Union agrees 
with others in saying that among the Chicago garment 
workers "every man is in debt." He is "owing the 
grocer and the butcher, and generally the pawn-shop 
too." The pawnbroker in Chicago is far worse than in 
New York, which fact is accounted for by the lack of 
proper legislation in the former city. The following 
case came under the notice of a Hull House resident, 
during the winter of 1893-1894: a loan of $25 made 
on household furniture was drawing $2 a week inter- 
est, and at the time that Hull House bought up this 
mortgage, $42 had already been paid for a little over 
four months' use of $25 ; that is to say, the broker was 
taking interest on the loan at the rate of 416 per cent 
yearly. Those who are familiar with the condition 
among garment workers in Chicago during the winter of 
1893-1894, agree that it is impossible that so small a per- 
centage as 52 per cent should be in debt. Statistics on 
indebtedness must be distrusted, under whatever circum- 
stances they may be given. 
Single men in Chicago have not yet resorted in the 
same degree as in New York to cutting under the family 
man in the matter of wages, so that their yearly income 
is practically the same as that of married men ; but their 
living costs are much less, so that it is the exception 
when the single man is not solvent. For board and 
lodging, which they customarily engage at the same 
place, they pay, on the average, $3.95 a week, $17.12 a, 
month, and with the additional item of $50 for clothing,