TABLE 4 - State Assistive Technology Loan Programs - Loan Criteria

STATE 

WHO IS ELIGIBLE 

CONSUMER INVOLVEMENT IN PROGRAM OPER. 

DEVICES MOST FREQUENTLY REQUESTED 

DEVICES OR SERVICES NOT COVERED 

MIDDLE AND LOW INCOME SERVED 

COMMENTS AND EXPLANTION 

Alabama 

Individuals/ Families 

Yes, through Board members 

1. Modified Vans 2. Personal Comput's 3. Misc equipment for the visually challenged 

None 

Yes 

Arrangement with Bank allows a 15:1 leveraging of funds. Bank is very involved in the program & cooperative 

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 

No 

None 

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. 

Yes 

68% need AT devices that they donít have, 69% are unable to pay for the equipment, and 68% paid for AT mainly thru personal funds.  

California 

Individuals w/disability, families, employer 

Project Advisory Board 

Modified Vehicles 

No vehicle repairs 

Yes 

If applicant meets requirements and has sufficient income to make monthly payments, the applicant's loan is guaranteed.  

Connecticut 

Individuals 

Yes-initial regulations, loan process revs, and Bank rejection appeals 

1. Computers 2. Mobility related 3. Vans 

No vehicle repairs 

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 

Hawaii 

Individuals/ Groups 

No 

No Data 

Also includes vehicle & equipment repairs 

Yes 

None 

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 

Yes 

If applicant does not meet FSB criteria when applying, automatically forward application for guarantee consideration 

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 

Yes 

None 

Illinois 

Individuals 

No 

1. Vehicles and Lifts 2. Scooters 3. Electric Wheelchairs 

None 

Yes 

None 

Kansas 

Individuals 

No 

No Data 

None 

No Data 

None 

Kentucky 

Individuals/ Families/ Non-Profit Invol with Disabilities 

Yes. 5 Board members 

No Data 

No Data 

Yes 

No Data 

Maine 

Individuals/ Businesses 

Majority of Loan Board members are people with disabilities  

1. Hearing aids 2. Adapted vehicles 3. Scooters 

None 

Yes 

Consumer directed Alpha One co-administers the program, provides information to consumers, distributes and processes loan applications  

Maryland  

Individuals/ Families 

No 

1. Vehicles 2. Computers 3. Mobility Aids 

None 

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  

Minnesota 

Individuals 

Yes, application review. Consumers on ATMN's board 

No Data 

None 

Yes 

No Data 

Missouri 

Individuals/ Families 

No 

1. Home Modifications 2. Vans and Lifts 3. Computers 

None 

Yes 

None 

Montana 

MT residents who meet eligibility req. 

No 

No Data 

None 

Yes 

None 

Nevada 

Individuals 

Committee reviews all policies & procedure, & makes decisions 

No Data 

None 

Yes 

Loan recipients provide 1 monthly & 6 month follow-up to be integrated into program reports & policy changes annually 

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 

Yes 

None 

New Jersey 

No Data 

No Data 

No Data 

No Data 

No Data 

No Data 

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 

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 

New York 

No Data 

No Data 

No Data 

No Data 

No Data 

No Data 

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 

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  

North Dakota 

Individuals/ Families 

Yes 

1. Computers 2. Hearing Aides 3. Van 

Vehicles 

Yes 

None 

Ohio 

Any person with a disability in the state of Ohio 

No 

1. Mobility Devices 2. Hearing Aids 3. Computer Hardware & Software 

Vehicles 

Yes 

As of Aug. 28, we were able to put $22,000 back into the loan program from paid back loans 

Oklahoma 

Individuals/ Families 

No 

No Data Yet 

None 

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  

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 

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 

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 

Yes, there are no income limits. 

None 

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 

Yes 

No 

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 

Yes 

None 

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 

Yes and they receive the interest rate buy-down as well 

None 

West Virginia 

No Data 

No Data 

No Data 

No Data 

No Data 

No Data