It kind of stepped in at the right time, said Ceballos, who has loan payments averaging $800 a month and whose starting salary was $30,000. 
Ceballos has a starting salary of $30,000.
Ceballos has never borrowed money.
People are playing a game.
A woman is fixing a vending machine.
None of them survived, so you don't know about any of them.
People are watching a someone performing.
The Tibetan boy is praying at the temple.
The woman has some of her belongings with her.