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MEDFORD, MA.-- May 4, 2010--Stephen Luebkert  was laid off from his job as an electrical engineer, only to be later rehired as an independent contractor by the same firm, but without benefits of full time employment. "One of the primary setbacks has been that I can't get a loan," explains Luebkert, whose plans to upgrade his Medford home have been disrupted by his financial situation. PHOTO BY JODI HILTON FOR MSMNBC.com