This report discusses the outcomes of a study designed to identify the reasons that individuals with disabilities use the assistive technology loan programs offered by state assistive technology projects. The study aimed to identify the types of devices that were purchased through the loan programs and the effects of these devices on the lives of the study respondents (n=31). Respondents from three states (Connecticut, Ohio, and Utah) were interviewed by phone. Major findings from the study include: (1) all the individuals said they used the financial loan programs to purchase assistive technology devices, however, 32 percent said they also received assistive technology services, such as assessment, training, or customization of a device; (2) a majority (61 percent) said they would have been unable to purchase their assistive technology devices without the states' financial loan programs; (3) the assistive technology purchased had a positive effect on the lives of the individuals; (4) the financial loan programs were greatly valued by the individuals who received loans and all said they would use the financial loan programs again if necessary; and (5) the ability to quickly receive a loan through an assistive technology financial loan program was important. (CR)