Volume 15, No. 2, Spring 2007	Previous Issues Subscribe to AT Messenger Download PDF Viewer
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Doors Open on New Financial Loan Programs

Need assistive technology (AT) but can't afford to purchase it? Because many devices are expensive, folks are often forced to go without. Insurance and state agencies rarely pay for AT such as hearing aids, vehicle and home modifications, and adaptive computer hardware. Sometimes you can only get funding for a "bare bones" device that doesn't really meet your needs. In other cases, you may be eligible for funding through insurance or a state agency, but you can't afford to wait months to get the device because you need it right now. If any of these describe your situation, the Delaware Assistive Technology Loan Program may be an option to consider.

The DATLP offers consumer counseling to help you determine whether a loan is the right funding option for you. A program staff member will talk with you about the many AT device options available and how you know which device is right for you. Staff will also make sure you are aware of other funding options, and will review with you the rights and responsibilities associated with borrowing money.

Any Delaware resident with a disability who needs an AT device, home modification, or vehicle modification may apply for a loan through the program. Family members and caretakers, in some instances, may also apply for a loan on behalf of someone with a disability.

The amount of money you will be able to borrow depends on what type of device, equipment, or service you plan to purchase using the money, and on how much you can afford to borrow. Loans are available for any amount between $500 and $30,000, and the length of the loan period is flexible, although it cannot be more than the expected useful life of what you are purchasing. For example, some home modification loans might be for as long as 10 years, yet loans for computers typically need to be paid off in three years or less.

The DATLP will take your unique circumstances into consideration when deciding whether you qualify for a loan. The program may also make special arrangements to make loan repayment affordable for you. Program staff is available to provide guidance and support from the time you first inquire about the possibility of a loan through the loan application process itself. However, as with any loan, you will be expected to provide information regarding your income, expenses, debt, and credit history.

Also new on the scene is the Delaware Telework Equipment Loan Program. This program works just like the DATLP, but is specially designed to enable Delawareans with disabilities to get the equipment that they need to work from home or other locations remote from an employer. This loan program can be used to acquire computers, software, other office machines, telecommunications systems, office furniture, home modifications, and traditional AT.

Both programs are funded by federal grants awarded to the Delaware Division of Vocational Rehabilitation and managed by the DATI. We are delighted that the DEXSTA Federal Credit Union and WSFS Bank are serving as our lending partners on this initiative. For more information about the program, please contact Linda Kelly at DATI’s New Castle County location.