Funding septic system repairs in Gwinnett County through the clean water state revolving fund
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Gwinnett County, in metropolitan Atlanta, Georgia has one of the highest concentrations of onsite sewage systems in the state with approximately 100,000 septic systems. Failing septic systems can be a contributing source of fecal coliform bacteria which is a contaminant in some of Gwinnett County’s waters. Through the Total Maximum Daily Load program of the federal Clean Water Act, Gwinnett County is responsible for monitoring and reducing the levels of fecal coliform pollution in its waterways. There are limited options for financial assistance to help homeowners pay for repairs to failing septic systems. The Clean Water Act State Revolving Fund (CWSRF) program is a potential funding source. Through the CWSRF program, states maintain revolving loan funds to provide low-cost financing for water quality improvement projects. This thesis evaluates the feasibility of having a municipality, Gwinnett County, establish a linked deposit lending program to access CWSRF financing for septic system repairs.