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In Emma’s first year at San Isidro College, in the Philippines, she saw her name on a bulletin board in the registrar’s office, on a sheet of paper titled “Promise List.” It showed the names of fifteen students who owed tuition to the school and the dates, long past, that their money had been due. Emma, who grew up on a farm with eleven brothers and sisters, paid her debts by working in the college’s library during the day and taking classes at night.

Emma and three friends, who were part of a clique of seven girls known as the Ringlets, for the initials of their names, were shocked that their debts had been made public. Within an hour, the college’s guidance counsellor had called Emma and her friends into her office. Her job gave her an edge, because she could read her assigned textbooks the moment they arrived at the library.

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