Independence is Priceless... We Help Make It Affordable!
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In This Issue
Penny Pincher with a light bulb above her head

Financial Tips from Penny Pincher 

What is a credit score?

When you apply for a PATF loan one of the factors we use to determine eligibility is your credit score. Any time you buy a home, a car, or apply for a credit card - lenders want to know the risk they're taking by lending you money. A credit score is a number summarizing your current credit risk. The score is based on factors shown here.   

Credit Score Pie Chart
Credit Score Pie Chart 
When you pay your loan on time, your credit score will increase, making it easier to get a loan in the future.

Learn more about credit scores...
In the News :
ABLE Act Comes to Pennsylvania

We're incredibly excited that PA Representative Dan Miller has already introduced state House Bill 583, potentially making Pennsylvania one of the first states to implement the federal ABLE Act. People with disabilities will finally be able to save without jeopardizing eligibility for federal benefits.

Learn more:



Upcoming Events

April 23, 2015
Second Annual Veterans Resource Expo
2:00 - 6:00 PM at the Hammermill Center of Gannon University in downtown Erie
The expo will feature over 75 community organizations that support Veterans and their families in basic needs, housing, health care, finance, education, employment, family and social needs as well as mental health support among many others.

May 5, 2015
Where to Turn Resource Fair
8:00 AM - 12:00 PM at the David L. Lawrence Convention Center in downtown Pittsburgh 

May 7-8, 2015
PHFA Commonwealth Housing Forum
At the Hilton Harrisburg on Market Square in Harrisburg 
Come hear our Executive Director, Susan Tachau, speak about PATF and home modifications. 

June 2, 2015

PATF Press Conference
We'll present our Annual Report in Harrisburg. Stay tuned for more info!

ChrisiPadKnowledge is Power!


Chris with mom, Sue Davis, and new iPad
Chris with mom, Sue Davis, and his new iPad

We sat down recently with Money Club member, Chris Davis, to discuss how being part of the club helped him become more knowledgeable about managing his money. (Learn more about Money Club in our last newsletter.)


Chris joined the club late but that didn't stop him from saving $150 in his Individual Development Account (IDA), which he put toward the purchase of an iPad mini. His iPad allows him to stay connected with the friends through social media and texting apps. He also uses his iPad for fun and is a pro-Candy-Crusher and selfie-taker (we left with hilarious photos of ourselves in psychedelic colors with warped faces). Chris has an intellectual disability as well as ataxic cerebral palsy which affects his fine motor skills. While his iPhone granted access to similar apps, the iPad's larger screen proves much easier to use. 


Chris credits the Money Club with something much greater than the opportunity to play games and chat with friends, though, and that is financial knowledge. His favorite thing about the experience, he says, was learning to save effectively. While Chris may always need assistance in managing his money, he is now able to take a more active role in decision-making.  


As someone who's always listening to music and likes to stay up-to-date on what's happening with his favorite artists (in fact, he has even worked as a volunteer at local radio station Wired 96.5), Chris's newest goal is to save up for stylish and professional Meek Mill 24k Gold Headphones. With his new found understanding of budgeting we have no doubt that it won't be long before Chris is sporting his very own pair.


Along with our low-interest loan program, we have a mini-loan program to provide funding for people to purchase lower-cost assistive technology. Chris's iPad is the perfect example, but there are lots of other types of assistive devices that fall into the mini-loan category. For instance:
  • Adaptive sports equipment
  • Portable ramps
  • Hearing devices
  • Environmental controls (alarm systems, automatic lights, door openers)
  • Stair glides
  • Wheelchair and scooter cushions and batteries
  • Seat lift chairs
  • Computers and/or specialized software/hardware
Our mini-loans come with no interest, low monthly payments, and longer repayment terms than most lenders. We work hard to make our loans available to anyone who needs one, regardless of age, disability, or health condition.

But what truly sets us apart is that we leave the control up to the borrower: You choose what type of AT you want and which retailer you'd like to use. We're here to support you through the process.

Know someone who might benefit from one of our loans? Or maybe there's an organization that should know about us for referrals... Pass it on!



Meet a Board Member


Marian Baldini, Board Member

Marian Baldini
Marian Baldini is currently the Chief Operating Officer for Home, Health & Work Services at JEVS in Philadelphia. With over 25 years in the field, she has extensive professional experience in serving older Pennsylvanians and people with disabilities, as well as having close personal experience with issues that affect people with disabilities. On a personal level, Marian was highly influenced by a family who has a positive "can do" attitude with an emphasis on valuing everyone.



Pennsylvania Assistive Technology Foundation - 1004 West 9th Avenue, King of Prussia, PA 19406 - 888.744.1938


The Pennsylvania Assistive Technology Foundation (PATF) is a non-profit organization that provides low-interest loans to people with disabilities and older adults so that they can buy the assistive technology devices and services they need. 


Assistive technology is any device that helps a person with a disability achieve a more independent and productive life. Devices may include such items as: adapted vehicles, iPads, accessible home modifications (including ramps, roll-in showers, lowered counter tops, and stairglides), computers with special software and/or hardware, hearing aids, flashing doorbells, scooters and wheelchairs, seat lift chairs.