Now, to the personal stories of families who are caught in a financial crunch. It is the latest heartfelt movie from Davis Guggenheim, oscar-winning director of "An inconvenient truth." His new film... See More
Now, to the personal stories of families who are caught in a financial crunch. It is the latest heartfelt movie from Davis Guggenheim, oscar-winning director of "An inconvenient truth." His new film has a dramatic message. It's time for change in America. This was expensive. Reporter: Academy award winning director, Davis Guggenheim's latest passion project sheds light on the flaws of our financial system. Health insurance. Medicines. Reporter: A system in which nearly 70 million Americans are underserved. Many unable to pay off loans because of marked up fees and high interest. You have been groundbreaking in so many of your documentaries, talking about global warming. Talking about the problem with our educational system. What drew you to this particular problem? I get frustrated by the political divide in America. The left and the right. The class, the rich and the pour. And I like to tell stories that help everyday American families. This is something that's so classically unfair. And it's a kind of thing that telling a good story helps. Reporter: That story is the new documentary "Spent: Looking for change." It's two weeks until payday. And I got $8. I never thought I would see myself at a pawnshop unless I was buying something. Reporter: These are people who were hard workers. Who were paying their bills. Who were middle class. But they had things happen to them. And the system isn't set up to help people in these situations. What is the biggest problem with the way our current system is run? A lack of options. When the bank isn't working for them, they are desperate. And they're looking for help. And that's when they get in trouble. Reporter: And that's when millions of Americans turn to payday and title loans, which use your paycheck and car title as collateral at a fee plus interest. These are hard-working Hearn Americans that have to do this. It's pulling them down gradually, when we should be pushing them up. Your film also shines a light on our antiquated banking system and the way checks are cashed in this country. We're one of the last western countries that takes so much time to clear a check or transfer your money. The great thing about this problem is that it's solvable. Banks should step in and fix this problem. Reporter: And according to the film, part of that problem is the way our credit scoring system works. I want to build my credit. I want to be able to be given the opportunity to have some kind of credit line. You get credit now for paying your mortgage. Reporter: But not rent. Why shouldn't you get credit for paying your rent, for paying your student loans? Reporter: If things don't change, where are we headed? It's getting worse and worse. If we don't solve this, it's going to be a bigger and bigger burden on our country. That's the power of story telling. Some say what do your movies actually do? I don't think my movies do a lot. They start a conversation. Reporter: And "Spent: Looking for change" who is my brother-in-law, will be available for free nationwide on June 4th. For information, go to goodmorningamerica.com on Yahoo! And we will be right back.
This transcript has been automatically generated and may not be 100% accurate.