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EFCN – CWSRF Funding Process Virtual Workshop Series: Economics and Affordability of Low Interest Rate Loans

April 20, 2023 @ 9:00 am - 10:00 am

Join experts from the Environmental Finance Center Network for a no-cost webinar series on the Clean Water State Revolving Fund (CWSRF). This monthly series is intended to help you better understand the CWSRF funding process.

Sessions will be held on the third Thursday every month (excluding December 2023 which will be held on Tuesday, December 19).

April 20, 2023 | Session 4: Taking on capital improvement projects can be expensive and often necessitates financing, such as loans. Since loans need to be paid back over time and may require rate increases to generate sufficient revenue for debt repayment, it is beneficial to decrease the interest and principal as much as possible. Subsidized low-interest rate loans, like the state Drinking Water or Clean Water State Revolving Funds (SRF), can save money over time by offering lower interest rates compared to market rates and, for qualifying communities, partial principal forgiveness. We recommend low interest loans because they decrease impacts on the customer base.

In this webinar, we will describe low-interest loans, their merits, and demonstrate two tools to help evaluate different loan options and their financial impact. We introduce the Subsidized Loan Calculator, which allows you to compare different loan options and their total and annual debt payments now and 30 years down the road. We will also demonstrate the Affordability Tool to illustrate how different customers may be impacted by rate increases necessary to pay back the loans. Finally, we will discuss a case study to consider why subsidized loans can be a good option for low-income communities.

Learning Objectives:

  • Available financing options to you for your capital improvement projects, and compare subsidized low-interest loans to market-rate loans
  • Evaluate different loan options based on interest rates and, if applicable, principal forgiveness terms
  • How to use the Subsidized Loan Calculator tool to compare low-interest rate and market-rate loans
  • Understand how taking on a loan can affect your customers, depending on the loan terms

Presenters: Kristen Downs, Project Director, UNC Environmental Finance Center


April 20, 2023
9:00 am - 10:00 am
Event Category:


Environmental Finance Center Network


Webinar Only
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