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People with disabilities and their families face a
constant struggle to secure adequate funding for assistive technology and
equipment. Communication devices, mobility aids, adapted vehicles and home
modifications are all costly, and their purchase isn’t always covered by
insurance.
Many families take on a serious financial burden as they
attempt to pay for assistive technology devices and services.
A little-known funding option is the Alternative Financing
Program (AFP), a federal/state loan program that grants low-interest loans
to people with disabilities, their parents, relatives or advocates in
order to purchase assistive technology or services. People who don’t
qualify for traditional bank loans may find AFPs more receptive to their
applications.
“The bottom line is that people can’t do without assistive
technology,” said Susan Tachau, executive director of the Pennsylvania
Assistive Technology Foundation (PATF). “There aren’t enough grants to
cover all of this, and the loan program is an affordable
option.”
The program, which began nationwide in 2000, continues to
evolve into an important piece of the funding puzzle. Currently, AFPs
operate in 33 states and U.S. territories. While the overriding purpose is
the same — providing low-interest loans for assistive technology — the
programs vary from state to state.
Nell Bailey, project director for RESNA’s (Rehabilitation,
Engineering & Assistive Technology Society of North America) Technical
Assistance Project, said the loans are commonly used to purchase
big-ticket items, including adaptive vehicles, home modifications,
computer hardware/software, communication devices, and mobility equipment
(scooters and power or manual wheelchairs). |
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| A Look at Alternative Financing Programs |
The Assistive Technology Act of 1998, administered by the National Institute of Disability and Rehabilitation Research (NIDRR), helped establish alternative financing loan programs. The Rehabilitation Services Administration (RSA), which falls under the U.S. Department of Education’s umbrella, provides grants for states to establish, enhance or maintain loan programs for people with disabilities.
The loan programs began in 2000 with $3.8 million in federal financing. By providing a matching amount, six states established alternative, state-based assistive technology financial loan programs.
During the 2002-03 fiscal year, RESNA reported that AFPs had provided or facilitated loans totaling $15.5 million to 1,515 individuals with disabilities since the program’s inception. The largest percentage of borrowers fell between 40 and 69 years of age, and about 70 percent of loan recipients were unemployed.
Joey Wallace, a public policy analyst and executive director of Virginia’s Assistive Technology Loan Fund Authority (ATLFA), explained, “The primary reason that people apply for loans is because there’s a real dilemma that exists between the wonderful development of technology in the lives of people with disabilities and the means by which to acquire assistive technology.” |
| Program Benefits |
The alternative financing loan programs provide consumers with a viable option that can improve their employment, education, health care, and family and community living situations by making the technology they need available.
Benefits of obtaining an AFP loan include low-interest rates, loan guarantees, extended repayment periods, support services to keep payments current, and the opportunity to build credit or improve a low credit rating.
Nancy Meidenbauer, project coordinator for RESNA’s Alternative Financing Technical Assistance Project, said AFPs also can provide credit counseling referrals in order to help people qualify for loans in the future if they don’t qualify the first time.
A gencies must set up AFPs as consumer-controlled programs, Tachau noted. More than half the members of the board that decides on loan applications must be people with disabilities and family members of people affected by disabilities.
For example, in Pennsylvania, if the bank denies a traditional loan application for a piece of assistive technology, PATF’s board will review the application, run a credit report and review it with the consumer. If the board rules that the consumer can repay the loan, it will provide a loan guarantee for the bank.
“We offer a program that no bank will offer, and we’ll take a risk on someone if they can demonstrate an ability to repay the loan,” Tachau added.
In many cases, a person’s creditworthiness helps determine the loan amount. With the board’s guarantee, a person in Pennsylvania could borrow up to $25,000. Tachau also said that some loan programs will make rescue payments to keep people current on their loans; the consumer then repays the program once the loan is paid in full.
Sue Castles, loan program coordinator for the Illinois TechConnect Program, said that out of 276 loan applications, 259 didn’t meet bank standards on the first try. The applications, however, were approved and guaranteed by TechConnect’s board upon second review.
Many AFPs are likely to make some allowances for bad credit, especially if the credit issues are related to a person’s disability, Castles said.
Michele Seybert, the marketing coordinator for the Michigan Assistive Technology and Telework Loan Funds program, added, “It’s an important resource, and the free monies just aren’t there throughout the country. So, this is at least a viable alternative for people.” |
| Loans Pay Off for MDA
Families |
Thanks to loan
assistance from the Florida Alliance for
Assistive Services and Technology, Christopher
Rhoades and his family purchased a used,
adapted minivan. Rhoades operates the door
and ramp with a remote control. |
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In Clearwater, Fla., Tracie Wiechmann and her family
needed to purchase an adapted van so they could transport her son,
Christopher Rhoades, who has Duchenne muscular dystrophy and uses a power
wheelchair. But, like many parents in similar situations, Wiechmann and
her husband already had gone through their savings and had to rely on
credit cards to pay their bills.
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After finding the
Illinois TechConnect Program, Jordan and
Jeremy Sovereign modified their bathroom
by adding a new sink and counter at a
more accessible level for their power
wheelchairs.
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When Wiechmann began having to support and lift
Christopher, 17, in order for him to transfer from the wheelchair to the
front seat of the family vehicle, she decided that something had to be
done. The situation was dangerous for both Wiechmann and her son, and it
was embarrassing for Rhoades.
After speaking to some people at the local MDA office,
Wiechmann learned about the Florida Alliance for Assistive Services and
Technology’s (FAAST) alternative financing loan program.
“We had a very positive experience with it,” Wiechmann
said. “I would definitely look into whether we’d be eligible to do this
again. There are no drawbacks.”
With the loan, Wiechmann purchased a used, adapted minivan
that allows Christopher to be “in control because he doesn’t have to rely
on me to lift him.” He simply uses a remote control to operate the side
door and ramp.
“What you’re able to achieve by getting the adaptive
equipment will help so much in your daily life, so it’s worth getting a
loan for it,” Wiechmann said. “There are a lot of people out there who
don’t have any other financial options, so there’s no reason not to look
into this program.”
Wiechmann suggests that you ask as many questions as
possible about the loan programs, and that it’s crucial to keep notes of
all calls regarding your loan application. Staying proactive and following
up with its status makes the process run smoothly.
When Albert Freedman and his family purchased a home in
West Chester, Pa., that needed extensive home modifications to make it
fully accessible for their son, the Freedmans stumbled upon the
Pennsylvania Assistive Technology Foundation.
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The
Freedmans borrowed funds from the Pennsylvania
Assistive Technology Foundation to make
their home fully accessible for their son,
Jack, who has spinal muscular atrophy. |
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“I didn’t know this program existed, but we found it on a
list of local support and funding agencies, and by asking questions,
people made it possible,” Freedman said.
The Freedmans used the loan to transform the garage into
an accessible bedroom and bathroom for Jack, 11, who has spinal muscular
atrophy.
Freedman said the loan process was easy, a factor he
“really appreciated because so much is so hard when you take care of kids
with this kind of condition.”
His advice for families in similar situations: “Don’t be
discouraged by the magnitude of what we all have to do to take care of our
kids. There are resources out there, and there are people that want to
help.”
In Bloomington, Ill., Jordan and Jeremy Sovereign, 23, had
to “dig deep” until they discovered the Illinois TechConnect Program. The
twins, who have Duchenne MD, and their parents, Steve and Debra Sovereign,
lived in an accessible home, but the bathroom needed to be modified to
better accommodate their power wheelchairs.
With their father as the co-signer, Jordan and Jeremy
qualified for the loan and used it to rebuild the bathroom. It now has a
wheel-in shower, tile on the floor and walls, easy-to-access shelves for
towels, a new sink and counter at a comfortable level, and a higher
toilet.
“They have made it [life] easier in order for us to do the
things that most people take for granted,” Jordan Sovereign said. “Now, we
can get ready for the day faster and without feeling completely exhausted
after struggling with the obstacles.”
Steve Sovereign explained, “The TechConnect program gave
us the freedom to make the specific modifications we needed without
restrictive questioning or an inordinate amount of red tape, which other
loans or grants might require.”
Sovereign also said that using a loan to make the
necessary modifications feels “less burdensome than a grant would be for
the taxpayers since we are repaying the loan.” |
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