LUFKIN — Maurice Watts pulled up to a compact, red-brick building on a recent Thursday morning, dressed in black athletic clothes and a Houston Astros baseball cap.
He had spent the previous 12 hours driving an 18-wheeler truck for Common Disposal, a saltwater transport company based in San Augustine, Watts’ hometown in rural East Texas. Watts held an envelope in his hand with $238. It was the first of six loan repayments to the Legacy Institute for Financial Education, a Lufkin-based nonprofit organization that had lent him $1,350.