Just finished reading this, and enjoyed it quite a bit.
The characters were very real. The author is good at writing believable people, rather than caricatures.
Her protagonist very much reminded me of Hank Rearden from Atlas Shrugged--the hard worker everyone else takes advantage of, who has to pay for everything while the other people on the dole complain as if they are the victims, and if he ever mentions anything it's all about money to him.
Very sad, and you could see what was coming in some parts, but others were a surprise. The author didn't purposefully pull at emotions, but was real.
The ending was satisfactory, which can be tough in books like this.
Overall very well done.