Alternative Finance Program

About the Alternative Finance Program

Alabama’s Alternative Finance Program (The Ability Loan Program) for individuals with disabilities and their families allows applicants to borrow money at low-interest and/or for extended terms for the purchase of assistive technology, adaptive equipment, and related services. Alternative financing needs may include but will not be limited to a means of: a) paying for devices not covered by public programs; b) providing a loan sooner than other public programs, and/or; c) having another funding source available.

The alternative financing program is administered through the Southern Disability Foundation Inc. , a community-based organization founded in collaboration with STAR.

Frequently Asked Questions

What is the program’s mission?

To allow individuals with disabilities and their family members, guardians, advocates, and authorized representatives to acquire and purchase assistive technology devices and services through the establishment and administration of Alabama’s Assistive Technology Alternative Financing Program.

Who is eligible?

Any Alabama resident who: (1) has a disability or has a family member with a disability; and (2) whose independence or quality of life would be improved by the acquisition of the adaptive equipment.

What is the definition of "disability"?

Any medical, developmental, learning or psychological impairment that substantially limits one or more major life activities, such as an individual’s ability to walk, communicate, see, hear, learn, secure and/or maintain employment, or increase overall independence.

What types of items are covered by this program?

Some examples of items covered by this program, but not limited to:

  • environmental control unit (ECU)
  • prosthetics and/or orthotics
  • work station equipment
  • home modifications
  • ramps
  • vehicle modifications
  • power wheelchairs                 
  • vision and Hearing aids
  • telecommunication /speech devices
  • lifts
  • other adaptive equipment

How Can I Apply For a Loan?

  1. A written description and estimated cost of the equipment must be obtained from the equipment vendor and submitted with the loan application. Loan applications can be obtained through the STAR office or are available for download at the Southern Disability Foundation website: The Alternative Finance Program coordinator may be reached at the STAR office at 1.800.STAR.656.
  1. Once the coordinator has received the completed application packet, it will be reviewed by the Southern Disability Foundation Board and AuburnBank for equipment suitability, need, cost, creditworthiness and ability to repay.
  1. If approved, applicants will notified of the subsequent steps of the loan process. 

Applications may be submitted by mail to the Southern Disability Foundation at the following address:

Southern Disability Foundation
P.O. Box 1566
Montgomery, AL 36102

How long does it take to process a loan?

The loan process can take up to 30 days.

For more information, contact
Kate Wallace
Alternative Finance Program coordinator

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