Jeanette Cross took out a payday loan to cover her May rent of $1,600 in South Los Angeles. “I’m further and further behind,” Cross, a 34-year-old single mother of four, said in a telephone interview. Angelenos use a bigger slice of their paychecks on shelter than people in New York, San Francisco or Miami, studies show. “They’re bottom earners living in a high-priced housing market,” said Dowell Myers, a policy, planning and demographics professor at University of Southern California in Los Angeles.