YR BEGAN
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
0
1
2
3
4
5
6
7
No.
STATE
LOAN MODEL
PUBLIC/PRIVATE
LENDING ENTITIES
STATE/PUBLIC ENTITY
CONTACT
PRIVATE/LENDING
ENTITY CONTACT
LEAD ENTITY FOR
LOAN
ADMINISTRATION
1
Alabama
97
Loan Guarantee
and Interest Buy
Down
SouthTrust Bank        
and the Southern Disability
Foundation
Paula Blevins-Russell          
(205) 992-5966              
pabrusse@southernco.com
Michelle Jennings  
(205) 254-4469
Southern Disability
Foundation, Inc.
2
Alaska
95
Loan Guarantee
and Interest Buy
Down
North Rim Bank,        
& State Tech Project
James Beck                
(907)269-3569      
jim_beck@educ.state.ak.us     
Vocat. Rehab, AT and Bus Devel
Sue Lymon       
(907) 261-3367     
Northrim Bank
Assistive Technology of
Alaska and North Rim
Bank
3
Arkansas
97
Revolving
No bank, Arkansas
Rehabilitation Services
Sue Gaskin                 
(501) 666-6686             
sogaskin@ars.state.ar.us
ICAN/Arkansas Rehabilitation
Services
No Data
AR Rehab Services-  Loan
Fund Advisory Committee
makes loan
recommendations
4
California
80
Loan Guarantee
Progran
Any licensed financial
institution
Rebecca Coleman (916) 263-8678
rmcolema@dor.ca.gov California
Assistive Technology
No Data
California State Dept. of
Rehabilitation
5
Connecticut
94
Revolving
People’s Bank,         
State VR Office,         
and Social Services
John Ficarro                
(860) 424-4881               
jficarro@aol.com           
Connecticut Tech Act Project    
Susan Sarri           
(203) 338-4471
custserv@peoples.     
com of People's Bank
Dept. of Social Service,
Bureau of Rehab.
Services, CT Tech Act
Project.
6
Hawaii
94
Loan Guarantee
and Interest Buy
Down
American Savings  Bank,  
Centers for Indep. Living,  
and State Tech Act project
Ellen Cheng                 
(808) 532-7110               
echeng@diverseabilities.org     
Hawaii Assistive Technology
Training & Services
Anna Marie Springer 
(808) 539-7126
American Savings Bank
but Hawaii Assistive Tech
Testing and Services
(HATTS) administers
program
7
Idaho
94
Loan Guarantee
and Interest Buy
Down
First Security Bank, N.A.
and Key Bank, N.A. - Idaho
District
Craig Parry                 
(208) 334-2755      
cparry@uidaho.edu           
Idaho A.T. Project
Carlas Brown      
(208) 393-4424     
First Security Bank,
N.A.
Idaho Assistive
Technology Project
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 1 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
8
Iowa
98
Loan Guarantee
Mercantile Bank Midwest,
Iowa Able Foundation, and
State Tech Act project
Jennifer Britton               
(800) 331-3027               
Jennifer-Britton@uiowa.edu
Infotech/Iowa Program for AT
Bill Kurtz        
(319) 356-9068     
Mercantile Bank
Midwest
The IA Able Foundation Board
designated InfoTech, a service
of the IA Program for AT, as
the lead entity
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 2 of 26
YR BEGAN
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
STATE
(continued)
LOAN MODEL
PUBLIC/PRIVATE
LENDING ENTITIES
STATE/PUBLIC ENTITY
CONTACT
PRIVATE/LENDING
ENTITY CONTACT
LEAD ENTITY FOR
LOAN
ADMINISTRATION
9
Illinois
93
Interest Buy Down
by Treasurer’s
Office
State Treasurer's Office,
NationalCity Bank-lead, but
Credit Unions and       
S. & L.'s also participate
Alice Sochacki              
(312) 814-1793               
(312) 814-2765 (Fax)
No Data
State Treasurer's Office
10
Kansas
94
Traditional
NationsBank
Mary Ellen O'Brien            
(785) 233-4550            
meow@cjnetworks.com
Scott Berghaus    
(816) 979-6646    
NationsBank
NationsBank
11
Kentucky
98
Loan Guarantee
with Interest Buy
Down Option
Negotiating with 5th Third
Bank
Nancy Hansen               
(608) 246-2540              
nancy.hansen@mail.state.ky.us  
Vocational Rehabilitation
None at this time
Kentucky AT Loan Corp.,
Workforce Development
Cabinet
12
Maine
89
Revolving
No Bank,              
Adaptive Equipment Loan
Program & Finance Authority
of Maine
Renee Tracy                
(800) 499-2357              
renee_tracy@alpha-one.org     
Alpha One             
Same as previous
column
Alpha One,          
and Finance Authority of
Maine
13
Maryland
96
Traditional
First National Bank of
Maryland, and negotiating
with lenders for a new
program
Michael Dalto               
(800) 832-4827              
mpdalto@yahoo.com          
MD Technology Assistance
Program     
No Data
First National Bank of
Maryland.  For new
program, the Gov's Office
for Indiv with disabilities.
14
Minnesota
99
Loan Guarantee
and Interest Buy
Down
FirstStar Bank
Tom Shaffer                 
(651) 297-9718         
tom.shaffer@state.mn.us       
MN STAR Program
Mary Ann Suddeith 
(651) 229-6536    
mary_ann_suddeith@f
irststar.com       
Firststar Bank
MN STAR's nonprofit
entity ATMN
15
Missouri
96
Traditional
NationsBank
David Baker                 
(816) 373-5193             
matpmo@qni.com            
Missouri Assistive Technology
Scott Berghaus    
(816) 979-6646
NationsBank
16
Montana
98
Loan Guarantee
First Security Bank
Julie Tompkins              
(800)72-0323             
julietom@selway.umt.edu       
UM - MonTECH Program
Sue Olinger    
Consumer Loans 
(406)728-6736
First Security Bank
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 3 of 26
YR BEGAN
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
STATE
(continued)
LOAN MODEL
PUBLIC/PRIVATE
LENDING ENTITIES
STATE/PUBLIC ENTITY
CONTACT
PRIVATE/LENDING
ENTITY CONTACT
LEAD ENTITY FOR
LOAN
ADMINISTRATION
17
Nevada
91
Loan Guarantee
Bank America,          
State VR Office,         
and Non Profit entity
Susan Lucia-Terry            
(702) 259-3894              
nvreach@powernet.net
Jim Rathkey      
(702) 594-5863
Bank America
18
New
Hampshire
92
Loan Guarantee
Bank of New Hampshire,  
State Tech Act project
Mary C. Schuh and Therese
Willkomm                  
(603) 528-3060               
mcschuh@cisunix.unh.edu      
ATECH Services
Nancy Neron      
(603) 639-6665     
ext 361          
cjoyce@peoplesherita
ge.com
Bank of New Hampshire
19
New Jersey
97
Traditional
Fleet Bank
no contact name or telephone
number                   
packr@njpanda.org
Fleet Bank       
(800) 225-5353
Fleet Bank
20
New Mexico
98
Loan Guarantee
1st Security Bank of New
Mexico,              
State Tech Act project
Carol Cadena                
(800) 866-2253               
C.Cadena@state.nm.us        
The NM Technology Assistance
Program
Carlos Brown      
(208)-393-4424     
cbrown@fscnet.com 
First Security Bank
The New Mexico Division
of Vocational
Rehabilitation
21
New York
86
Revolving
No Bank,             
NY Office of Children and
Family Services, and     
State Comptroller
Benedicta Iyok               
(518) 474-1934               
(518) 486-6338 (Fax)
NY Office of Children and
Family Services,  and
State Comptroller
22
North
Carolina
92
Loan Guarantee
NationsBank           
Non-Profit entity
Lawrence Bauer              
(704) 537-0550         
web5729@charweb.org         
Programs for Accessible Living
  Chris Joyner Ass't VP
(704) 388-8332     
no e-mail
NationsBank
23
North
Dakota
98
Loan Guarantee
First National Bank,
Faye Gibbens               
(701) 775-5577               
(701) 795-6630 (Fax)
Kim Woods       
(701) 795-3236
First National Bank
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 4 of 26
YR BEGAN
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
STATE
(continued)
LOAN MODEL
PUBLIC/PRIVATE
LENDING ENTITIES
STATE/PUBLIC ENTITY
CONTACT
PRIVATE/LENDING
ENTITY CONTACT
LEAD ENTITY FOR
LOAN
ADMINISTRATION
24
Ohio
96
Traditional
Fifth 3rd Bank of Columbus,
Trained Board members
Shiree Evans                
(614) 292-2426        
evans.219@osu.edu 
Kelli Ferguson-
Gargasz         
(614) 233-4507
Fifth Third Bank of
Columbus
25
Oklahoma
96
Traditional
BancFirst
Milissa Gofourth             
(800) 257-1705 or (405)        
gmiliss@okway.okstate.edu     
Oklahoma ABLE Tech
Peggy Jenkins     
(405)742-6205     
no e-mail address  
BancFirst
BancFirst
26
Pennsylvania
98
Loan Guarantee
First Union Bank
Virginia Del Sordo            
(215) 204-0452               
vdel@nimbus.ocis.temple.edu    
Pennsylvania Assistive Technology
Foundation
Chris Borowiec    
(203) 578-8308     
chris.borowiec@firstu
nion.com         
First Union Bank
First Union Bank and   
PA AT Foundation
27
Soouth
Dakota
95
Loan guarantee
with extended
terms.
Norwest Bank          
(Wells Fargo)
Jim Johnson                
DakotaLink, SD ATP          
605-394-1876                
jjohnson@tie.net
Patricia Link      
605-394-3800        No
Email address     
Norwest Bank
Norwest Bank
28
Utah
93
Interest Buy Down
and Partial Loan
Guarantee
1st Security Bank only provides
loan money, Buy-Down funds from
State, Foundations, Corp., & Indiv.
Daryl McCarty, Ex. Dir.        
(801) 273-7239 (Also Fax)       
no e-mail                   
Utah AT Foundation
Richard Baese        
(801) 246-1353        
r.baese@fscnet.com    
1st Sec. Bank of Utah
First Security Bank,    
and Utah AT Foundation
29
Vermont
91
Revolving
Vermont Development Credit
Union, and State Tech Act
project
Lynne Cleveland              
(802) 241-2672         
lynnec@dad.state.vt.us        
Vermont A T Project
Bob Morgan      
(802) 865-3404     
VT Development
Credit Union
Vermont Credit Union,  
and the State
30
Virginia
97
Loan Guarantee
and Interest Buy
Down
Crestar Bank and the
Assistive Technology Loan
Fund Authority
Michael Scione              
(804) 662-9993          
loanfund@erols.com          
Assistive Technology Loan Fund
Authority
Scott Hansen            (804)
319-4729         
Scott.Hansen@Crestar.co
m   Crestar Bank
AT Loan Fund Authority
31
West
Virginia
98
Revolving
No Bank,             
State Treasurer's Office
Brenda King                
(304) 766-4805               
brendak@wvdrs.wvnet.edu
No Data
State Treasurer's Office
and Revolving Loan Fund
Board
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 5 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
8
11
12
13
14
15
16
OTHER
PARTICIPATING
ENTITIES
STATE
ORIGINAL PROGRAM
FUNDING BASE
TOTAL LOAN FUND
CAPACITY
LOAN GUARANTEE
REQUIREMENTS
INTEREST RATES
AND TERMS
PERSONAL
FINANCIAL CRITERIA
Consumer Board of
Non-Profit
Organization
Alabama
$75,000 of Tech Act
dollars and private
donations
$200,000
100% guarantee with 7%
of outstanding loans set
aside
Bank Base Rate plus
1% to 3% determined by
loan amount
50% Debt to Income
Ratio
None
Alaska
$210,000 Tech Act
dollars
Approximately       
$300,00
90%
Bank Rate minus the
Prime Rate
Individual must qualify for
a consumer loan with
help of the interest buy
down
Arkansas Equipment
Loan Fund Board
Arkansas
$415,000 Total:      
$40,000 Tech Act $'s  
and $375,000 state
funds  
No Data
N/A
4-5%, 5 year maximum
term
Demonstrated ability to repay,
& verif of disability, income,
AT need, debt ratio and credit
reporting
N/A
California
$300,000.00
$451,000 for AT
$619,000 for Transpo.
100%
Banks normal interest
rate.  Terms: Up to 5
years
Good Payment Record for 12
months
State of Ct Bonding
Commission, and
Independent Living
Centers
Connecticut
$2.2 million federal,
state, and bank
$3,000,000
None
2% up to 1/2 point above
prime              Terms:
Up to 5 years
Income and Expense
Worksheet
None
Hawaii
$300,000 Tech Act
dollars guarantee and
Private  bank monies
No Data
Tech Act monies
invested with Bank, no
stated guarantee rate
1% to 1 ½% below
Bank’s Normal Rates-
around 8% up to 7 yrs.
Good Payment Record
for 12 months
Idaho Community
Foundation
Idaho
$50,000 Tech Act dollars
$215,000 for guarantees,
at least $500,000 for non
guaranteed loans
Guaranteed loans
considered individually
by consumer board.
Prime rate.  1/4 pt.
Lower for auto.       
Terms: up to 60 months,
and $10,000 per loan
Basic financial criteria. 
Debt to credit ratio and
credit history
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 6 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
Iowa Program for
Assistive
Technology
Iowa
$50,000 Tech Act dollars
$125,000
40%
7.75%
Demonstrated ability to
repay
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 7 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
OTHER
PARTICIPATING
ENTITIES
STATE
(continued)
ORIGINAL PROGRAM
FUNDING BASE
TOTAL LOAN FUND
CAPACITY
LOAN GUARANTEE
REQUIREMENTS
INTEREST RATES
AND TERMS
PERSONAL
FINANCIAL CRITERIA
Many Banks around
the State
Illinois
Treasurer’s Office deposits
state funds with participating
financial Institutions, which
then make low-interest loans
No Data
Bank underwrites
Deposits are 70% of T-
Note Rate.          
Terms are one to five
years
Verifiable Income
None
Kansas
Private Bank monies
only
No Data
Bank underwrites
10% below current Bank
Guarantee Rate:     
8.25% -0.82% = 7.43%
50% Debt to Income
Ratio, credit history,
presence of a disability
State Tech Project, KY
Voc Rehab, and KY
Development Disabilities
Council
Kentucky
$107,000 State DD
Council, $200,000 State
General Funds, $50,000
Tech Act $'s
$350,000
50%
6%
debt to income ratio to
be determined, credit
history, and current
income
None
Maine
5,000,000
$6,500,000
100% internal
0% to Prime        
6 mos. to 20 yrs.
Verifiable Income
MD Tech Assis
Program
Maryland
Private Bank monies
only.  New program
financed with $500,000
state allocation
$500,000
Bank underwrites
2% below current market
rate, + 1/2% discount
with existing account.  1
to 6 yrs.
Standard financial
criteria & credit history.
Co-signers allowed. 
Bank flexible
None
Minnesota
10,000
$50,000
Loans will be guaranteed
when necessary
Buy-down from prime
plus 1, considered a
personal loan but with
extended payment per
Standard things-income,
savings,
property/assests
None
Missouri
Private Bank monies
only
None
Bank underwrites
Prime Rate + 2%, Uses
50% Debt to Income
Ratio
Up to 50% Debt to
Income Ratio, Credit
History, Current Income
UM
Montana
$40,000 Tech Act dollars
$230,000
MonTECH guarantees
75%
Prime Rate for up to 5
yrs
Credit check,
demonstrated ability to
pay
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 8 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
OTHER
PARTICIPATING
ENTITIES
STATE
(continued)
ORIGINAL PROGRAM
FUNDING BASE
TOTAL LOAN FUND
CAPACITY
LOAN GUARANTEE
REQUIREMENTS
INTEREST RATES
AND TERMS
PERSONAL
FINANCIAL CRITERIA
State Office Com
Based Services,
Consumer
Committee, AT
Center
Nevada
$160,000 non profit
monies            
$160,000 bank match
$320,000
100%
Prime Rate for up to 5
yrs
60% Debt to Income
Ratio, No Means Test,
Can't Qualify for Regular
Loan
ATECH Serv., NH Tech
Act Proj, NH Char.
Found, Counc for Child &
Adoles w/ Chron. health
Cond.
New
Hampshire
$100,000 Tech Act
dollars
We factor 60%
guarantee over the
quarterly loan fund
balance
60% reduced from 100%
over past 5 years
1.09% for up to 5 yrs.
None
None
New Jersey
Private bank monies only
No Data
Bank underwrites
11% unsecured loans  
10.5 % secured loans
demonstrated ability to
repay
None
New Mexico
$100,000 Tech Act
dollars
No Data
75%
1% above Prime for up to
5yrs., 2%   Prime for
over 5 years
Demonstrated ability to
repay
Equipment Loan
Fund Review Board
New York
$52,500 annual state
appropriation
No Data
100% internal
8% for 5 to 8 years
depending upon loan
amount
Not eligible under any
other state agency
service
None
North
Carolina
$220,000 grant to non-
profit
$360,000
100%
Best available rate    
for up to 6 yrs.
50% Debt to Income
Ratio
North Dakota
Interagency Program
for AT
North
Dakota
$64,000 Tech Act dollars
$57,667
100%
Prime Rate plus 1%
demonstrated ability to
repay
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 9 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
OTHER
PARTICIPATING
ENTITIES
STATE
(continued)
ORIGINAL PROGRAM
FUNDING BASE
TOTAL LOAN FUND
CAPACITY
LOAN GUARANTEE
REQUIREMENTS
INTEREST RATES
AND TERMS
PERSONAL
FINANCIAL CRITERIA
Tech Project staff
Ohio
$100,000 Tech Act
dollars with $40,000
Bank match
$131,000
100%
5.5% Rate          
Terms determined
individually by Bank
Credit check,
demonstrated ability to
pay
None
Oklahoma
Private bank monies only
None to date
Bank underwrites
Daily Prime Interest Rate--
Terms:The loan may amortize
over 5-years, with payments
either monthly or quarterly
Applicants can have max
50% debt service to gross
income ratio & must qualify
with aproved credit record
None
Pennsylvania
$100,000 state
appropriation to serve as
the loan guarantee
$100,000 state approp., and
another $200,000 is included
in the 99-00 state budget,
bringing our total to $300,000
100%
Prime Rate with
Extended Terms up to
10 Years
Standard Lending Practices to
people who would be denied
through traditional loan
programs--see comments
column
Disability agencies
across the state
distribute loan
applications.
South Dakota
$55,000 set aside from
grant
3 to 4 times investment or
$165,000 to $220,000
The extended period
beyond a normal loan or
!00% if credit is in
question.
Prefered customer rate
with terms up to 8 years
Credit check, demonstrate
ability to pay and 50% debt to
income ratio.
None
Utah
$280,000 Foundation
monies for buy-downs,
partial grants, and
operational cost
$500,000,          
none
Signature loans--2% below
WSJ Prime--except modified
vehicles to a maximum buy-
down of $1,000. Terms to 5
yrs.
None
Consumer Board
Reviews Loans and
Meets Monthly
Vermont
$500,000 Tech Act
dollars
$500,000
none
7 % to 9 % from      
1 to 10 years
No Means Test, must
demonstrate ability to
repay
None
Virginia
$500,000 state
appropriation and
$200,000 Tech Act
dollars
$735,000
100%
Non-guaranteed loans, 4
1/2% below Crestar rate. 
Guaranteed loans, 4% below
the WSJ prime rate
Credit worthy with
demonstrated ability to
repay for ATLFA
guaranteed loan
None
West
Virginia
$500,000 state
appropriation
No Data
100% internal
variable rate, currently
4% for up to 5 years
loans for up to 90% of
the cost of device
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 10 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
17
18
21
22
23
24
25
26
LOAN AMOUNT
RANGES
AVERAGE LOAN
AMOUNT
STATE
AVERAGE NO. OF
APPLICATIONS
RECV'D PER YEAR
AVERAGE NO. OF
APPLICATIONS
APRV'D PER YEAR
AVERAGE % OF
LOANS APPRV'D
PER YEAR
TOTAL LOAN
ACTIVITY SINCE
INCEPTION
TOTAL DOLLAR
AMOUNT IN OUTSTAND
LOANS
$500 to $10,000
$5,000
Alabama
19
12
63%
$120,000
$80,000 thru 12/98
$6500 to $40000
$10,000
Alaska
6
6
100%
$60,000
$52,500
$250 to $10,000
$3,000
Arkansas
20
10
50%
$53,177
$44,353
$20,000
$15,000
California
10
8
85%
$534,000
$41,137
No min or max.  To
date loans have
ranged from $200 -
$40,000.
$7,500
Connecticut
120
75
63%
$1,000,000+
$487,250
$500 to $30,000
No Data
Hawaii
15 to 20
3 to 4
20%
No Data
$100,000
$0 and up to
$10,000
$2,500
Idaho
40
21
53%
$330,000
$100,000
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 11 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
$500 to $5,000
$3,066
Iowa
No Data
No Data
No Data
$12,265
$12,265
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 12 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
LOAN AMOUNT
RANGES
AVERAGE LOAN
AMOUNT
STATE
(continued)
AVERAGE NO. OF
APPLICATIONS
RECV'D PER YEAR
AVERAGE NO. OF
APPLICATIONS
APRV'D PER YEAR
AVERAGE % OF
LOANS APPRV'D
PER YEAR
TOTAL LOAN
ACTIVITY SINCE
INCEPTION
TOTAL DOLLAR
AMOUNT IN OUTSTAND
LOANS
$1,000 to $25,000
per project
No Data
Illinois
50
No Data
No Data
No Data
$350,000
$0 up to no
maximum
No Data
Kansas
No Data
No Data
No Data
No Data
No Data
$500 to $25,000
No Data
Kentucky
No Data
No Data
No Data
No Data
No Data
$250 to $100,000
$9,341
Maine
135
130
96%
$8,697,340
$5,568,680
$1,000 to over
$20,000 (no fixed
upper range)
No Data
Maryland
15
10
67%
No Data
$106,000 of a total
loan base of
$500,000
$500-$5,000
N/A
Minnesota
No Data
No Data
No Data
No Data
No Data
$1,250 up to no
maximum.      
Must be paid in up
to 60 months
N/A
Missouri
36
No Data
No Data
No Data
No Data
$0 - $10,000
$5,000
Montana
No Data
1
No Data
5000
No Data
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 13 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
LOAN AMOUNT
RANGES
AVERAGE LOAN
AMOUNT
STATE
(continued)
AVERAGE NO. OF
APPLICATIONS
RECV'D PER YEAR
AVERAGE NO. OF
APPLICATIONS
APRV'D PER YEAR
AVERAGE % OF
LOANS APPRV'D
PER YEAR
TOTAL LOAN
ACTIVITY SINCE
INCEPTION
TOTAL DOLLAR
AMOUNT IN OUTSTAND
LOANS
$500 to $5,000
Nevada
35
18
51%
No Data
$151,693
$1,000 - $5,000
$5,000
New
Hampshire
50
40
80%
$270,845
$115,143
$500 minimum, no
maximum
No Data
New Jersey
No Data
No Data
No Data
No Data
No Data
$0 to $10,000 and
above if approved
by NMTAP
$2,977
New Mexico
16
4
25%
$11,907
No Data
$500 to $4,000
No Data
New York
No Data
No Data
No Data
No Data
No Data
$500 to $15,000
$4,000
North
Carolina
55
25
45%
$484,000
$353,000
No set range at
this time
$4,000
North
Dakota
5
2
40%
$7,402
$6,333
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 14 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
LOAN AMOUNT
RANGES
AVERAGE LOAN
AMOUNT
STATE
(continued)
AVERAGE NO. OF
APPLICATIONS
RECV'D PER YEAR
AVERAGE NO. OF
APPLICATIONS
APRV'D PER YEAR
AVERAGE % OF
LOANS APPRV'D
PER YEAR
TOTAL LOAN
ACTIVITY SINCE
INCEPTION
TOTAL DOLLAR
AMOUNT IN OUTSTAND
LOANS
$1,000 to $10,000
$4,500
Ohio
66
33
50%
$131,000
$191,240
No set range at
this time
$5,000
Oklahoma
0
0
0%
$25,203
$10,000
$500 to the Cost of
a Modified Van,
however there is no
specific maximum
$6,400
Pennsylvania
40 for first six
months that program
in operation
13 for first six
months that program
in operation
33%
$83,560 through
April 30, 1999
$78,830 (report from
First Union dated
2/28/99)
$250 to $10,000
$5,200
South Dakota
15
12
80%
$122,000
$89,000
None
$4,807
Utah
20
15
75%
$398,403
bank does not
provide information
and program not
requesting
$500 minimum
$2,500
Vermont
50
35
70%
$1,500,000
$280,000
$0 to $20,000 for
guaranteed.  No
limit for non-
guarantees
$8,000
Virginia
75
30
40%
$417,000
$200,000
$500 to $5,000
No Data
West
Virginia
0
0
0%
No Data
$0
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 15 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
27
28
29
31
32
33
34
35
TOTAL LOANS
APPROVED SINCE
INCEPTION
TOTAL NO. OF
OUTSTANDING
LOANS
TOTAL LOANS
DEFAULTED AND
DEFAULT RATE
STATE
WHO IS
ELIGIBLE
CONSUMER
INVOLVEMENT IN
PROGRAM OPER.
DEVICES MOST
FREQUENTLY
REQUESTED
DEVICES OR
SERVICES NOT
COVERED
32
25
0
Alabama
Individuals/  
Families
Yes, through Board
members
1. Modified Vans           
2. Personal Comput's  
3. Misc equipment for
the visually challenged
None
6
6
0
Alaska
Individuals
Yes.  Individuals with
disabilities, involved on
consumer advisory panel
1.  Vehicles                  
2.  Vehicle Mod's          
3.  Housing access
modifications
For vehicles, must
show 90 days steady
employment
19
17
0
Arkansas
Individuals/ 
Families/
Businesses
Nine members on board,
majority are indiv. with a
disability
1.  Computers               
2.  Home Modifications  
Vehicles and
depending on the
assisitive componet,
PC's.
65
9
12
California
Individuals
w/disability,
families, employer
Project Advisory Board
Modified Vehicles
No vehicle repairs
118
86
3
Connecticut
Individuals
Yes-initial regulations,
loan process revs, and
Bank rejection appeals
1.  Computers               
2.  Mobility related         
3.  Vans
No vehicle repairs
No Data
15
0
Hawaii
Individuals/   
Groups
No
No Data
Also includes vehicle
& equipment repairs
96
55
4
Idaho
Individuals/
Families--anyone
with a disability(
or acting on
behalf)
IA AT Consumer Board.
Program overright,
fundraising, guarantee
approvals
1.  Computer                 
2.  Vehicle Mod's          
3.  Housing access
modifications
Vehicles
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 16 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
4
4
0
Iowa
Individuals/  
Families
The Iowa Able Foundation
Board has 6 members--5
consumers and 1 parent of a
child with a disability
1.  Home Modifications
2.  Van Lifts                  
3.  Hearing aids
Vehicles, and Service
animals
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 17 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
TOTAL LOANS
APPROVED SINCE
INCEPTION
TOTAL NO. OF
OUTSTANDING
LOANS
TOTAL LOANS
DEFAULTED AND
DEFAULT RATE
STATE
(continued)
WHO IS
ELIGIBLE
CONSUMER
INVOLVEMENT IN
PROGRAM OPER.
DEVICES MOST
FREQUENTLY
REQUESTED
DEVICES OR
SERVICES NOT
COVERED
No Data
No Data
No Data
Illinois
Individuals
No
1.  Vehicles and Lifts     
2.  Scooters                  
3.  Electric Wheelchairs
None
No Data
No Data
No Data
Kansas
Individuals
No
No Data
None
No Data
No Data
No Data
Kentucky
Individuals/  
Families/      
Non-Profit Invol
with Disabilities
Yes.  5 Board members
No Data
No Data
931
408
25
Maine
Individuals/    
Businesses
Majority of Loan Board
members are people with
disabilities
1.  Hearing aids             
2.  Adapted vehicles      
3.  Scooters
None
No Data
15
0
Maryland
Individuals/  
Families
No
1.  Vehicles                  
2.  Computers              
3.  Mobility Aids
None
No Data
No Data
No Data
Minnesota
Individuals
Yes, application review.
Consumers on ATMN's
board
No Data
None
No Data
No Data
0
Missouri
Individuals/  
Families
No
1.  Home Modifications
2.  Vans and Lifts          
3.  Computers
None
1
No Data
0
Montana
MT residents who
meet eligibility
req.
No
            No Data
None
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 18 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
TOTAL LOANS
APPROVED SINCE
INCEPTION
TOTAL NO. OF
OUTSTANDING
LOANS
TOTAL LOANS
DEFAULTED AND
DEFAULT RATE
STATE
(continued)
WHO IS
ELIGIBLE
CONSUMER
INVOLVEMENT IN
PROGRAM OPER.
DEVICES MOST
FREQUENTLY
REQUESTED
DEVICES OR
SERVICES NOT
COVERED
No Data
43
0
Nevada
Individuals
Committee reviews all
policies & procedure, &
makes decisions
No Data
None
82
57
0
New
Hampshire
Individuals
Advisory Committee, but
not involved in daily
activity of the program
1.  Wheelchairs and   
adaptions                     
2.  Computers               
3.  Telesensory device
No vehicle purchase
or repairs
No Data
No Data
No Data
New Jersey
No Data
No Data
No Data
No Data
4
4
0
New Mexico
Individuals/  
Families
Yes.  Consumer is
involved in financial loan
choices during the in-
take process
1.  Adapted Vans (lifts)  
2.  Computers               
3.  Wheelchairs
Vehicles
No Data
No Data
No Data
New York
No Data
No Data
No Data
No Data
120
91
8
North
Carolina
Individuals/  
Families
All loans are approved by
a Consumer Review
Board, with Monthly
Meetings
1.  Adapted Vans          
2.  Computers               
3.  Hearing Aids
None
2
2
0
North
Dakota
Individuals/  
Families
Yes
1.  Computers               
2.  Hearing Aides          
3.  Van
Vehicles
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 19 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
TOTAL LOANS
APPROVED SINCE
INCEPTION
TOTAL NO. OF
OUTSTANDING
LOANS
TOTAL LOANS
DEFAULTED AND
DEFAULT RATE
STATE
(continued)
WHO IS
ELIGIBLE
CONSUMER
INVOLVEMENT IN
PROGRAM OPER.
DEVICES MOST
FREQUENTLY
REQUESTED
DEVICES OR
SERVICES NOT
COVERED
123
54
1
Ohio
Any person with a
disability in the
state of Ohio
No
1.  Mobility Devices       
2.  Hearing Aids            
3.  Computer Hardware
& Software
Vehicles
5
3
2
Oklahoma
Individuals/  
Families
No
No Data Yet
None
13
13
0
Pennsylvania
Individuals/  
Families, &
Primary
Caregivers
Yes, more than 1/2 of Board
are people with disabilt's or
family membr of people with
disabilities.  Extensive
involvement
1.  Vans                       
2.  Computers               
3.  Stair Glides
None
35
22
0
South Dakota
South Dakotans
w/disabilities or
their family
More than 1/2 of Loan
Committee are people with
disabilities or family members.
1. Vans with lifts.          
2. Computers &
Software.                      
3. Mobility/Sensory Aids
None
90
bank does not
provide
information and
program not
requesting
4
Utah
Indiv/ Families/ &
others who borrow
in behalf of someone
with a disability
Yes. On the Governing
Board
1. Computers/Software
2. Scooters                   
3. Vehicles
None
300
54
1.5%
Vermont
Individuals/    
Non-Profits
4 of 5 Board members are
consumers w/disability or
family members of a person
w/disability
1. Power wheelchairs     
2.  Computers               
3.  Adaptive vehicles
None
70
67
0
Virginia
Individuals/  
Families
Board has 12 members. Over
past three years, ~10
members either have had a
disability or have a child with
a disability.
1.  Vehicles                  
2.  Home mod's &
scooters                       
3.  Computers with
modifications
None
No Data
0
0
West
Virginia
No Data
No Data
No Data
No Data
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 20 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
36
37
MIDDLE AND
LOW INCOME
SERVED
COMMENTS AND EXPLANTION
Yes
Arrangement with Bank allows a 15:1 leveraging of funds.
Bank is very involved in the program & cooperative
No
None
Yes
68% need AT devices that they don’t have, 69% are
unable to pay for the equipment, and 68% paid for AT
mainly thru personal funds. 
Yes
If applicant meets requirements and has sufficient income
to make monthly payments, the applicant's loan is
guaranteed.
Yes
Bank sees this as a community service, and their
fees for servicing loans are kept to a break-even
point. They don't see this as a profit center
Yes
None
Yes
If applicant does not meet FSB criteria when applying,
automatically forward application for guarantee
consideration
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 21 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
Yes
None
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 22 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
MIDDLE AND
LOW INCOME
SERVED
COMMENTS AND EXPLANTION
Yes
None
No Data
None
Yes
No Data
Yes
Consumer directed Alpha One co-administers the
program, provides information to consumers, distributes
and processes loan applications
Yes, provided
they meet income
and credit criteria
MD TAP persuaded Bank to consider income from Plans for Achieving
Self Suppt (PASS), Blind Wrk Exp (BWE) and Impair Related Wrk
Expen (IRWE) when determining income eligibility
Yes
No Data
Yes
None
Yes
None
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 23 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
MIDDLE AND
LOW INCOME
SERVED
COMMENTS AND EXPLANTION
Yes
Loan recipients provide 1 monthly & 6 month follow-up to
be integrated into program reports & policy changes
annually
Yes
None
No Data
No Data
Yes
We have advertised our Loan Program through pub's for NM's
disability community, as well as A.T. Life Reporter (NMTAP's quarterly
newsletter). Also we will launch an ad campaign to address the med
equip and suppliers in NM
No Data
No Data
Yes
We find that consumers who live in outlying & rural areas
are pleased to know they can go to their local
NationsBank branch & don't have to travel to a large city
Yes
None
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 24 of 26
MATRIX OF ASSISTIVE TECHNOLOGY LOW-INTEREST LOAN FINANCING PROGRAMS IN PARTICIPATING STATES
MIDDLE AND
LOW INCOME
SERVED
COMMENTS AND EXPLANTION
Yes
As of Aug. 28, we were able to put $22,000 back into the
loan program from paid back loans
Yes
Stillwater National Bank dropped the AT loan program in the spring of
98.  ABLE Tech coordinated the start of a new traditional program
with BancFirst fall of 98. Loan amount info is based on Stillwater
statistics, BancFirst hasn't received any applications yet
Yes
The Department of Community and Economic Development is the state
entity that administers the loan guarantee and monitors the PA AT
Foundation activities. Our Foundation makes recommendations to First
Union, and agrees to access the state guarantee should the
borrower default
Yes, there are no
income limits.
None
Yes
No
Yes
None
Yes and they
receive the
interest rate buy-
down as well
None
No Data
No Data
Prepared by Bergeron Solutions, RBERGERON@NNI.COM, (PA), and Joseph Wallace Ph.D., (VA)
2/1/01            Page 25 of 26