National Assistive Technology Act Data System

Annual Progress Report - Full Report

Guam 2018

General Information

Statewide AT Program (Information to be listed in national State AT Program Directory)

State AT Program Title:
Guam System for Assistive Technology
State AT Program Title:
State AT Program URL
https://www.gsatcedders.org/
Mailing Address:
Office of Graduate Studies, Sponsored Programs, & Research 303 University Drive UOG Station
City:
Mangilao
State:
Guam
Zip Code:
96913
Program Email:
gsat@guamcedders.org
Phone:
(671) 735-2490
TTY:
(671) 735-2491

Lead Agency

Agency Name:
Guam Center for Excellence in Developmental Disabilities Education, Research, and Service
Mailing Address:
Office of Graduate Studies, Sponsored Programs, & Research 303 University Drive UOG Station
City:
Mangilao
State:
Guam
Zip Code:
96913
Program URL:
https://www.guamcedders.org/

Implementing Entity

Name of Implementing Agency:
Mailing Address:
City
State:
Zip Code:
Program URL:

Program Director and Other Contacts

Program Director for State AT Program (last, first):
San Nicolas, Heidi
Title:
Director
Phone:
(671) 735-2481
E-mail:
heidi.sannicolas@guamcedders.org
Program Director at Lead Agency (last, first):
San Nicolas, Heidi
Title:
Director
Phone:
(671) 735-2481
E-mail:
heidi.sannicolas@guamcedders.org
Primary Contact at Implementing Agency (last, first) - If applicable:
Title:
Phone:
E-mail:

Person Responsible for completing this form if other than Program Director

Name (last, first):
Leah Grace Abelon
Title:
CEDDERS Research Associate
Phone:
(671) 735-2490
E-mail:
leah.abelon@guamcedders.org

Certifying Representative

Name (last, first):
Krise, Thomas W.
Title:
President, University of Guam
Phone:
(671) 735-2991
E-mail:
tkrise@triton.uog.edu

State Financing

Did your approved state plan for this reporting period include any State Financing? Yes
Did your approved state plan for this reporting period include conducting a Financial Loan Program? Yes

Loan Applications
Area of Residence Total
Metro
RUCC 1-3
Non-Metro
RUCC 4-9
Approved Loan made 00 03 03
Approved Not made 00 00 00
Rejected 00 01 01
Total 00 04 04

2. Income of Applicants to Whom Loans Were Made

Lowest/Highest Incomes
Lowest Income: $9,096 Highest Income: $16,900

Average Income
Sum of Incomes Loans Made Average Annual Income
$36,996 03 $12,332

Number and Percentage of Loans Made to Applicants by Income Range
Income Ranges Total
$15,000
or Less
$15,001-
$30,000
$30,001-
$45,000
$45,001-
$60,000
$60,001-
$75,000
$75,001
or More
Number of Loans 02 01 00 00 00 00 03
Percentage of Loans 66.67% 33.33% 0% 0% 0% 0% 100%

3. Loan Type

Loan Type
Type of Loan Number of Loans Percentage of loans
Revolving Loans 00 0%
Partnership Loans
Without interest buy-down or loan guarantee 00 0%
With interest buy-down only 00 0%
With loan guarantee only 03 100%
With both interest buy-down and loan guarantee 00 0%
Total 03 100%

Loan Type Summary
Type of Loan Number of Loans Dollar Value of Loans
Revolving Loans 00 $0
Partnership Loans 03 $8,396
Total 03 $8,396

4. Interest Rates

Interest Rates
Lowest 2.13%
Highest 2.13%

Interest Rate Summary
Sum of Interest Rates Number of Loans Made Average Interest Rate
06 03 2.13%

Number of Loans Made by Interest Rate
Interest Rate Number of loans
0.0% to 2.0% 00
2.1% to 4.0% 03
4.1% to 6.0% 00
6.1% to 8.0% 00
8.1% - 10.0% 00
10.1%-12.0% 00
12.1%-14.0% 00
14.1% + 00
Total 03

5. Types and Dollar Amounts of AT Financed

Types and Dollar Amounts of AT Financed
Type of AT Number of Devices Financed Dollar Value of Loans
Vision 00 $0
Hearing 02 $3,200
Speech communication 00 $0
Learning, cognition, and developmental 00 $0
Mobility, seating and positioning 01 $5,196
Daily living 00 $0
Environmental adaptations 00 $0
Vehicle modification and transportation 00 $0
Computers and related 00 $0
Recreation, sports, and leisure 00 $0
Total 03 $8,396

6. Defaults

Defaults
Number Loans in default 01
Net loss for loans in default $5,196

B. State Financing Activities that provide consumers with resources and services that result in the acquisition of AT devices and services

1. Overview of Activities Performed

How many other state financing activities that provide consumers with access to funds for the purchase of AT devices and services were included in your approved state plan? 00


C. State Financing Activities that Allow Consumers to Obtain AT at Reduced Cost

1. Overview of Activities Performed

How many state financing activities that allow consumers to obtain AT at a reduced cost were included in your approved state plan? 00

D. Anecdote

Mr. Tudela, a 75 year old retiree, was diagnosed with bilateral hearing loss and tinnitus, conditions that he had been experiencing over the last five years. This affected his daily interaction as at times he felt embarrassed when having conversations because he was not sure what was being said. His also had problems using a phone. After undergoing a hearing evaluation, his audiologist recommended hearing aids for both ears to improve communication and to manage the tinnitus symptoms. The audiologist informed him about the Akudi Loan Program, Guam’s Alternative Loan Financing Program, to help him acquire the devices he needed. After receiving detailed information and guidance in completing his loan application, the Akudi Loan Review Committee determined he was a good candidate and approved his loan on January 19, 2018 and the hearing aids were ordered and received shortly after. Mr. Tudela shared that obtaining and using the hearing aids has significantly improved his ability to communicate with the people at home, in the community, and in social events. He is pleased with the community resources available to help him acquire these life-changing devices which have improved his overall quality of life.

Impact Area

After working in the shipping industry and being exposed daily to loud machinery over the years, Mr. Palisoc reported having bilateral hearing loss, tinnitus, and a history of two ear surgeries. Because of the impact of the high noise environment, he felt he had to leave this job. Based on the evaluation of his audiologist, it was recommended that he obtain hearing aids for both ears to improve localization, communication, manage tinnitus symptoms, and enhance auditory memory. Concerned about the high cost of hearing aids given his limited financial capabilities, Mr. Palisoc was very happy to learn from his audiologist about low interest loan supports provided by the Akudi Loan Program. He sought the assistance of the GSAT Center to complete the necessary application forms, submitted them and received approval on a timely basis from the Loan Review Committee. After receiving his customized hearing aids, Mr. Palisoc now feels better suited to rejoin the workforce and is actively seeking employment.