The recent death of Debbie Dogskin, found unresponsive inside her own frozen home on the Standing Rock Sioux reservation, hit hard across Indian Country. Many of us face similar circumstances or have relatives who do. Dependent on murderously expensive propane and living in sub-standard housing makes tribal living an act of survival in harsh winter conditions that see temperatures well below zero. Yet very little seems to be happening at the tribal, state, or federal levels to stop our most vulnerable Native citizens from dying in their own homes.

On the same day Dogskin was found dead in her home, my 76-year-old grandmother living in Eagle Butte, South Dakota, made a rare call to my mom, who lives near Omaha. Like many of her generation, asking for help is hard for my grandmother to do. But she was cold and had no other options to pay for the propane that heats her small, decades-old trailer held together with hope and duct tape. My mom and other relatives have often (and without prompting) helped my grandmother with living essentials (and non-essentials). It was no different this time, but the call got my mom and I wondering what exactly the situation was where my grandmother lived.

Like many elders, most of my grandmother’s meager income comes from Social Security, and right now that’s barely covering the cost to heat her home with propane. Before going to my mother she went to a local bank for a loan. Due to her age and income, they offered her a $100 loan with a $75 fee attached, a flat fee the bank charges on loans up to $1,000. My grandmother said the bank allowed her to borrow against the upcoming Salazar/Cobell settlement funds that may or may not arrive sometime in the next few months. Let’s be clear here, folks: This is predatory lending holding heat hostage for the most at-risk citizens.