Overview of Financial Loan Programs

• Evaluation Study of Alternative Financing Program by Geoff Smith and Jennifer Newon, February 2008
  Independent evaluation of the 33 AFPs that focuses on factors that lead to success and sustainability.
  RTF version   Text version
  
  
• Addressing the Assistive Technology Needs of Individuals with Disabilities Through Financial Loans, October 2006
  Report on the Fourth and Fifth Years of Operation of the Alternative Financing Program for Individuals with Disabilities
  PDF version   RTF version   Text Version
  
  
• Telework Program: Increasing Employment Opportunities for People with Disabilities, October 2006
  A Report on the First Two years of Program Operations of the telework Program FY 2004- FY 2005
  PDF version   RTF version
  
  
• Expanding the Reach of People with Disabilities, March 2005
  Report on the Third Year of Operation of the Alternative Financing Program for Individuals with Disabilities
  PDF version     Text version     RTF version
  
  
• Alternative Financing Mechanisms Title III, Assistive Technology Act of 1998
  First Annual Report to Congress by the U.S. Department of Education
  PDF version     Text version
  
  
• Analysis of the First Year of Operation of the Federal Alternative Financing Program for Individuals with Disabilities - Providing Low Cost Loans for the Purchase of Assistive Technology - November 2002
  PDF version     Text version
  
  
• List of FY 2003 AFP Grantees
  
  
• List of FY 2003 Telework Grantees
  
  
• List of New AFP Grantees for 2001-2002 - October 2001
  
  
• List of New AFP Grantees for 2000-2001
  

2005 | 2003 | 2001 | 2000

• Financial Loan Program Specifications 2005
  US Dept. of Education, Rehabilitation Services Administration, Federal Register June 30, 2005
  • Notice Inviting Applications for New Awards for FY05
    PDF version    Text version
    
    
  • Application Kit
    PDF version    RTF version
    
    
  • Transcript for Teleconference Call on NIA for AFP, July 11, 2005.
    Presenter from RSA
    RTF version
    

• Financial Loan Program Specifications 2003
  • US Dept. of Education, National Institute on Disability and Rehabilitation Research, Federal Register August 5, 2003
    
    • Notice of Proposed Priority and changes to the application process
      PDF version   Text version
    • Notice Inviting Applications for New Awards for FY03
      PDF version   Text version
    
    
  • Application Package
    • For AFP - RTF version   PDF version
      
    • For Telework - RTF version   PDF version
      
    • For Joint AFP/Telework Application - RTF version   PDF version
    
    
  • Transcript for Teleconference Call on NIA for Telework and AFP, August 19, 2003.
    Presenters from NIDRR and RSA.
    Text version

• Financial Loan Program Specifications 2001
  • US Dept. of Education, National Institute on Disability and Rehabilitation Research; Notice of Funding Priorities Federal Register June 13, 2001
    

    PDF Version
    Text Version
    

  • Letter of Guidance from NIDRR August 1, 2001
  • Questions and Answers related to the June 13, 2001 RFP
  
  
  
• Financial Loan Program Specifications 2000
  • US Dept. of Education, National Institute on Disability and Rehabilitation Research; Notice of Funding Priorities Federal Register June 5, 2000 (PDF version)
    Text Version

• Checklist of Major Program Areas and Activities

• Alternative Financing Programs FY 2003 Grantees At-A-Glance
  October 2003
  
  
• Access to Telework Programs FY 2003 Grantees At-A-Glance
  October 2003
  
  
• Alternative Financing Programs 2001-2002 At-A-Glance
  by AFTAP, December 2001     RTF file
  
  
• Alternative Financing Programs 2000-2001 At-A-Glance
  Word file
  
  
• Matrix of State Assistive Technology Loan Programs - Year 2000
  
  • TABLE 1. Models and Entities Involved    WORD file    Text version
  • TABLE 2. Loan Fund Capacity and Loan Specifics    WORD file    Text version
  • TABLE 3. Loan Activity for Year    WORD file    Text version
  • TABLE 4. Loan Criteria    WORD file    Text version
  
  
• Assistive Technology Loan Financing: A Funding Alternative of Increasing Importance
  by Joey Wallace, from Tech Express, August 1998   Word file
  
  
• KATCO Loan Program - Kansas
  by Sara Sack, December 2000
  Powerpoint file    Text version

• Introduction to CDFIs (pdf format)    HTML version
  by Cheryl Neas, National Community Capital Association. February 2004
  
  
• Negotiating with Lenders
  by Stan Provus, December 2000   Word file
  
  
• Alternative Finance Programs Loan Agreements (RTF format)
  by Stan Provus, January 2006
  
  
• Working with Credit Unions
  by Sara Sack, December 2000
  Powerpoint file     Text version
  
  
• Credit Unions and Buying Cooperatives - Maryland Assistive Technology Guaranteed Loan Program
  by Michael Dalto, December 2000   Word file
  
  
• Links to Credit Union Resources
  
  • National Credit Unit Administration
    
  • National Federation of Community Development Credit Unions
    

• Board Development, Joey Wallace, January 2007
  PowerPoint     Board Development Tools (RTF format)

• Resources regarding updated IRS Form 990, July 2009
  
  
• RSA Telework Technical Assistance Circular, April 2, 2007 (PDF format)
  (Text version) Ensuring the appropriateness of loans to individuals with disabilities through Access to Telework Loans.
  
  
• RSA Technical Assistance Circular September 7, 2006 (RTF format)
  Ensuring the appropriateness of loans to individuals with disabilities through AFPs.
  
  
• RSA Dear Colleague Letter, March 8, 2007 (PDF format)
  (Text version) Regarding grant writing by AFP and Telework grantees
  
  
• Questions of Interest - Highlights from the Loan Program Listserv Discussions
  • State Funds/Public Funds and Federal Funds
  • Separate Account for Each Grant
  • Insuring AFP Funds
  • Investing in Stocks
  • Grant Funds used for Resource Development - Fund Raising
  • Grant Funds used for Resource Development - Grant Writing
  • Use of Grant Funds to Pay for Audit
  • CBO Subject to Audit
  • Consumer Counseling
  • Device Leasing Program
  • Interest Income
  • Investment of Funds
  • Loans for Training, Repairs, Warranties
  • Match Funds
  
  
• Running Efficient Loan Programs
  • Running Efficient Loan Programs: Kentucky AT Loan Corporation - Dave Matheis (PPT format) Text version
  • Performance Evaluation Tools and Formulas - Tim Strasz (RTF format)
  • System of Self-Evaluation for Loan Programs - Tim Strasz (RTF format)
  • Efficiency Evaluations of Loan Funs and Microenterprise Loan Program Efficiency Performance Benchmarks - Stan Provus (RTF format)
  
  
• Pennsylvania's State wide Application Form - Susan Tachau (RTF format)
  
  
• Virginia AFP Application Forms
  Mike Scione, December 2000
  
  • Loan Fund Information Sheet (pdf format)
  • SunTrust Consumer Loan Application (pdf format)
  
  
• Position Descriptions
  
  • Executive Director    Word file
  
  
• Managing Program Funds
  • Investing AFP Grant Awards by Stan Provus, April 2007 (RTF format)
    
  • AFP Investment Policies by Stan Provus, May 2006 (RTF format)
    
  • Steps to Prudent Investing of Program Funds by Stan Provus, December 2001
  • Cash Flow Calculator by Stan Provus
  
  
• Vehicle Loans
  • Lessons Learned Providing Vehicle Loans by Stan Provus, June 2007 (RTF format)
    

• Elements of Policy and Procedures Manuals by Stan Provus, September 2006
  
  
• State Policy and Procedure Manuals
  • Arizona Policies and Procedures December 2003 rtf version
  • Connecticut AFP Policies and Procedures December 2008 (rtf format)
  • Kansas AFP Policies and Procedures February 2004 (rtf format)
  • Kansas Telework Policies and Procedures September 2007 (rtf format)
  • Louisiana Policies and Procedures December 2003 rtf version
  • Maryland AT Guaranteed Loan Program October 2001 rtf version
  • Maryland Telework Policies and Procedures July 2007 (rtf format)
  • Michigan AT Loan Fund Policies and Procedures March 2009 (rtf format)
  • Michigan Telework Policies and Procedures March 2009 (rtf format)
  • Missouri $how Me Loan Program October 2001 rtf version
  • Nevada AT Loan Fund Program October 2001 rtf version
  • Oklahoma AT Foundation Loan Policy Manual, March 2005 (rtf format)
  • Pennsylvania Mini-Loan Guidelines August 2008 (rtf format)
  • Pennsylvania AT Foundation Loan Policy Manual March 2008 (rtf format)
  • Virginia AT Loan Fund Authority March 2004 (rtf format)
  • Virginia Telework Policy Manual, January 2008 (rtf format)
  • Wisconsin Telework Policies and Procedures Manual August 2007 (rtf format)
  
  
• Identity Theft Prevention Programs (ITPP)- Resource Page

• Clearinghouse of Loan Program Practices
  This Clearinghouse provides a browsable resource on loan program practices.

• AFP Chartbook 2000-2008: Data from the Alternative Financing Programs, March 2009
  (Entire Chartbook in Excel format)
• AFP Initial Survey Form for Applicants (RTF format)
• AFP Follow-up Survey for Approved Loan Applicants (RTF format)
• AFP Follow-up Survey for Denied Loan Applicants (RTF format)
• AFP Annual Program Data Form (RTF format)
• AFP HELP Manual (RTF format)

• Evaluation Study of Alternative Financing Program by Geoff Smith and Jennifer Newon, February 2008
  Independent evaluation of the 33 AFPs that focuses on factors that lead to success and sustainability.
  RTF version   Text version
  
  
• Findings from Telework Focus Groups (RTF format)
  by Joy Hammel and Marcia Finlayson, UIC, March 2006
  
  
• Assessing the Alternative Financing Programs: Characteristics of Borrowers and Their Loans, March 2005
  By Sean Zielenbach
  RTF version
  
  
• Financial Loan Programs - RESNA TA Project Resources
  

• Using the PASS for AT Loans, Michael Dalto and Jim Sheldon, January 2007
  PowerPoint     AT Advocate Spring/Summer 2006 (PDF format)
  
  
• "Building Your Financial Future" - Michigan Financial Literacy Training Curriculum, November 2006
  PowerPoint   Handouts (RTF format)
  
  
• Making Smart Choices - Alpha One's financial literacy curriculum, November 2006 (RTF format)
  
  
• Benefit Counseling for Loan Programs - Michael Dalto, December 2004 (PPT format) Text version
  
  
• Counseling Business Start-ups in Illinois: Small Business Development Center - Michele Miller, December 2004 (PPT format) Text version
  
  
• Estimating Monthly Expenses
  By Kansas Alternative Financing Program, December 2000   Word file
  
  
• Financial Literacy Work Group

• Individual Development Accounts

• Marketing Toolkit for AT Loan Programs by Mary Virtue, August 2007 (RTF format)
  
  
• Insights into Alternative Financing Outreach Opportunities: Results from Focus Groups with Latinos and Health Care Clinicians, February 2005
  
  
• Helping Virginians with Disabilities - Pamela Clark, December 2004 (RTF format)
  
  
• Marketing for AFP and Telework Loan Programs - Heather Butikofer, December 2004 (PPT format)    Text version
  
  
• Effective Strategies for Marketing AFP and Telework Programs - summary of discussion by Mark Nolte, December 2004 (PDF format)    Text version
  
  
• Marketing Outreach Strategies: Utah Assistive Technology Foundation
  by Marilyn Hammond, February 2004   RTF file
  
  
• Independence is Priceless and Other Thoughts on Marketing Your Program
  by Martin Blair, December 2000   Word file

• Purchasing Group Buying Clubs- Assistive Technology for Kansans
  by Sara Sack, December 2000
  Powerpoint file     Text version
  
  
• Expanding Saving Options for Persons with Disabilities through the Establishment of Individual Development Accounts
  by Sara Sack, December 2000
  Powerpoint file     Text version
  
  
• Statute Language: Individual Development Accounts
  
  • Kansas Senate Bill SB 332

• Consumer Loans
  • American Association of People with Disabilities (AAPD)
    One of the benefits of membership in AAPD, is that its members can join the Digital Credit Union and potentially qualify for low interest loans to purchase assistive technology, vans and other equipment.
  • Bank of America Access Loans
    Bank of America offers loans for vehicles and home modifications.
• Grants for Specific Populations
  • Assistive Technology Grants for Persons who are Blind
    The Association of Blind Citizens has established an Assistive Technology Fund to cover 50% of the price of adaptive devices or software. Applicants can apply during the three grant periods (June, September, and December) each year. There are limits on the price of the device and family income.
  • Rural Residents
    The U.S. Department of Agriculture, Rural Development's Rural Housing Program, offers up to $7,500 to make dwellings accessible for household members, age 62 or older, with a disability in rural areas.

• Library of Teleconference Training Sessions
  Transcripts and audio files of NATTAP hosted teleconferences on various topics of loan program operations.
  
  
• South East Regional Workshop for AT Reuse Programs and Alternative Financing Programs - November 19-20, 2008 Atlanta, Georgia
  
  
• Handouts and Materials from the May 2008 RSA Specialized Workshop for Financial Loan Programs, May 5-7, 2008, Radisson Downtown, Salt Lake City, Utah
  
  
• Handouts and Materials from the AFP Institute, Orlando, Florida
  January 24, 2007 at the ATIA Conference
  
  
• AFP Follow-up Conference Call - March 20, 2007
  
  
• AFP Follow-up Conference Call - April 24, 2007
  
  
• Handouts and Materials from the December 2004 Annual Meeting for Loan Programs
  December 13-14, 2004, Radisson Barcelo Hotel, Washington, DC
  
  
• Self Study Courses
  Modules on topics of interest to loan program staff to increase their knowledge of various topics related to establishing and maintaining a loan program.
  
  
• Handouts and Materials for Title III Sessions
  From the Yearly Meeting of AT Act Grantees, July 28-29, 2003, DC Renaissance Hotel, Washington, DC
  • Oklahoma - Alternative Financing Program
    RTF version     PDF version
    
    
  • Is Your Assistive Technology Loan Fund Thinking About Becoming a CDFI? What You Need to Know Before You Take the Leap!
    RTF version     PDF version
    
    
  • History of the Pennsylvania Assistive Technology Foundation (PATF)
    RTF version     PDF version
    
    
  • Strategic Partnerships: Growing and Expanding Your Loan Program - the experiences of the Kentucky Assisitive Technology Loan Corporation (KATLC)
    PPT version     HTML version
    
    
  • Virginia Assistive Technology Loan Fund Authority
    RTF version     PDF version
    
    
  • American Association of People with Disabilities (AAPD) Programs
    RTF version     PDF version
    
    
  • AAPD and Digital Federal Credit Union Join Together in an Innovative Cutting Edge Partnership
    RTF version     PDF version
    
    
  • AAPD May 2003 Newsletter
    RTF version     PDF version
    
    
  • Benefits of AAPD Membership
    RTF version     PDF version

• AT Act of 1998
• Notice Inviting Application
• Technical Assistance Circulars
• OMB Circulars