Building Program
Demand through
Outreach &
Engagement

A DWSRP Handbook for States
November 2019

SEPA

OFFICE OF GROUND WATER
• AND DRINKING WATER


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Table of Contents

Introduction	1

2 Communicating the Benefits of the DWSRF Program	2

3 Communicating State Priorities and

Specific DWSRF Opportunities	5

4 Identifying Perceived Barriers

and Helping Applicants Overcome Them	6

5 Proactive Outreach to Potential Borrowers, Design

and Construction Communities, and Other Partners	8

EPA Region and Headquarters Support	10


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1

Introduction

Created by the 1996 Amendments to the Safe
Drinking Water Act (SDWA), the Drinking Water
State Revolving Fund (DWSRF) is an important
part of the national initiative to ensure that water
systems provide sustainable, long-term public
health protection and an adequate supply of
drinking water. The DWSRF is an incredibly flexible
program capable of addressing water system
infrastructure financing challenges. Promoting
strong awareness of the DWSRF program will help
maximize its use and result in increased public
health protection and system reliability benefits.

State DWSRF personnel are stewards of this
powerful resource. Strategic outreach will help
the DWSRF program connect available funds
with water systems that need them the most
and will build relationships for future use of the
fund. Increased use of the DWSRF also supports
maintenance of robust funding availability.

This handbook is organized
into four strategies for
improving the success of
the DWSRF program by
increasing awareness of
its flexibility and value:

•	Communicating benefits of the DWSRF program

•	Communicating state priorities and specific
DWSRF opportunities

•	Identifying perceived barriers and helping
potential borrowers overcome them

•	Proactively reaching out to potential borrowers,
design and construction communities, and
other partners

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2

Communicating the Benefits
of the DWSRF Program

The DWSRF program offers many benefits to
water systems as they address their infrastructure
needs. These benefits can help states improve
public health sooner and at a lower cost than
alternative financing options. Developing a
compelling business case for using the DWSRF
can be an important element of increasing
interest in the fund. This section addresses
three benefits that states may find helpful when
building a business case for DWSRF financing.

Addressing Near-Term
Infrastructure Needs

Water systems often struggle with the question of
whether to plan and implement projects now or
to defer them. A fundamental goal of the DWSRF
program is to support water systems in identifying
and addressing near-term infrastructure needs,
which can avoid higher long-term costs.
Information and materials that describe the
benefits of investing in infrastructure projects
sooner rather than later can be an effective way to
encourage water system project planning. Some
examples are:

•	Addressing near-term infrastructure needs
helps avoid emergency situations that disrupt
water service to customers and that can have
significant repair and environmental damage
costs. Infrastructure failure and service
disruptions also erode public confidence in the
water system and can have a detrimental effect
on the economy of the community.

•	Consequences of infrastructure failure,
such as a water main break, also include
diversion of water system personnel from
preventive maintenance and operations
tasks to emergency response tasks. Lapses
in preventive maintenance and operations
activities can lead to premature infrastructure
failure and unrecognized problems in other

areas of the water system. These, in turn, can
result in increased health risks, compliance
issues, and additional costs.

•	Allowing critical infrastructure, such as a
storage tank, to remain in service after reaching
the end of its useful life can increase the risk
for contaminants to enter the system. These
water quality problems pose public health risks
and regulatory compliance issues that may
require significant time and cost to address.

•	Postponing replacement of broken or inoperable
valves can prevent water system personnel
from being able to isolate specific areas of

the distribution system during main break
repair or pipe replacement. This can result in
significantly more water loss, service disruption,
and damage caused by the released water.
Near-term investment in valve replacement can
help maintain distribution system controls and
avoid or reduce the consequences of water main
breaks in the future.

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•	In an emergency, last-minute financing options
may be more expensive than strategically-
planned improvements.

•	Investment in other infrastructure in the near
term can improve operational efficiency and
reduce the risk of disruptive events In the
future. For example, a Supervisory Control
and Data Acquisition (SCADA) system is an
automated control system that monitors the
water system and alerts staff to potential issues.
This system can provide real-time information
and reduce the reliance on visual inspections

of wells, storage tanks, and other water system
infrastructure.

DWSRF loans can be an important resource for
water systems to meet their near-term capital
infrastructure needs. The DWSRF set-asides can
support technical assistance and help water systems
identify and prepare for infrastructure projects.

A useful resource that water systems can use to
compare the lifecycle cost of multiple financing
options is EPA's Financing Alternatives Comparison
Tool, or FACT. DWSRF funds can also be combined
with financing from other sources as part of a
comprehensive and cost-effective financing package.

Key Resources

Use EPA's Financing Alternatives
Comparison Tool (FACT) to compare
lifecycle costs of multiple financing options.

Use EPA's DWSRF Eligibility Handbook
to learn about the program, understand
eligibilities, and see examples of DWSRF-
funded projects.

Economical Financing

The DWSRF offers low-cost financing. Loans are
made at or below market rates and additional
subsidy may be available through principal
forgiveness and negative interest loans.

For example, the DWSRF program average interest
rate in 2016 was 1.7 percent compared to the 3.5
percent market-value interest rate. The average
DWSRF loan size is about $2 million. As shown
in the table below, a water system could save over
$227,000 over the life of a $2 million loan by using
the DWSRF.

Grants are also available, though they are less
common and come with more requirements than
loans with principal forgiveness.1

Interest rate	1.5%	2.5%	3.5%

Repayment for 20 Year Loan $2,316,218	$2,543,534	$2,783,807

Savings Using a 1.5% Rate			$227,316	$467,589

1 Grants are available only under the Congressional Appropriation subsidy authority, not the SDWA §1452(d) disadvantaged community subsidy authority.
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Broad Project Eligibilities

The DWSRF program is designed to meet the wide
variety of infrastructure needs of water systems.
Water systems have used the DWSRF to modernize
treatment facilities, improve distribution, reduce
water losses, install new meters, and install emergency
power systems, among other project types.

The loan fund can finance all types of water system
infrastructure that are necessary for the provision
of safe drinking water. There are a few exceptions
to project eligibility for DWSRF funding. EPA
considers deviations to the DWSRF regulations on
a case-by-case basis and will evaluate proposals
that exclusively address a compelling and
imminent public health threat.

By communicating DWSRF project eligibilities,
state staff can emphasize to water systems that the
program can be a one-stop shop for many of their

drinking water infrastructure improvement needs.
The DWSRF Eligibility Handbook is a key resource
for learning about the program and seeing how
water systems have already utilized DWSRF funds.
But these examples are only a starting point: the
DWSRF is extremely flexible and the program
promotes innovation. States are encouraged to
communicate that to water systems and seek out
and introduce new project ideas.

Incentivizirig Borrowers in Texas

The Texas DWSRF program provides loans
with principal forgiveness to small systems
but also ensures large systems receive some
additional subsidy to encourage the borrowers
to return to the DWSRF for future projects.

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3

Communicating State Priorities and
Specific DWSRF Opportunities

Every state has its own public health priorities,
as do the individual water systems. States have
considerable flexibility to tailor their DWSRF
programs and outreach to these priorities. Promoting
these state-specific goals may help water systems
view the DWSRF as directly relevant to their local
needs. States can also use their goals and priorities
to help water systems identify potential projects for
DWSRF assistance.

Although immediate risks to public health, at-
risk sources and compliance issues are typically
prioritized, prospective borrowers might not be
aware that general infrastructure replacement and
improvement projects are also welcomed and funded.
Furthermore, water systems might not know that
risks to public health are not limited to regulated
contaminants only; unregulated substances such
as per- and polyfluoroalkyl substances (PFAS) or
contaminants resulting from harmful algal blooms
(HABs) are also eligible.

A state's Intended Use Plan (IUP) contains a list of
projects that have already been approved for DWSRF
eligibility. The list could be used to provide examples
of the types of DWSRF projects and variety of water
systems that are eligible for DWSRF funds.

States can also inform potential borrowers of the
additional opportunities supported by set-aside
activities. The DWSRF set-asides can assist water
systems with non-infrastructure needs, including:

•	Development of technical, managerial, and
financial capacity of water systems

•	Water operators' training and continuing
education

•	Technical assistance to water systems, including
studies such as water audits, leak detection,
pressure optimization, and energy management

•	Project planning

•	Project design development

•	Development of asset management programs

Set-asides are an important resource that water
systems can use to improve their ability to serve the
public. Addressing non-infrastructure needs like
those listed above can also help them achieve and
maintain SDWA compliance.

Key Resources

Share EPA's DWSRF factsheets on PFAS
and HABs with water systems to encourage
them to consider ways they can address
emerging contaminants with DWSRF
assistance.

DWSRF Set-Asides in Action

When planning and designing projects,
small systems in New Jersey can use a pool
of consulting engineering firms that the state
provides free of charge through the Small
System Technical Assistance (2-percent)
set-aside.

In 2014, Virginia offered grants of up to
$50,000 to help small systems design projects
and conduct studies on source water quality
and quantity and other technical assistance
projects. These were funded through the Local
Assistance (15-percent) set-aside.

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4

Identifying Perceived Barriers and
Helping Applicants Overcome Them

What are the factors affecting
program demand?

Water systems may be hesitant to apply for a
DWSRF loan for a variety of reasons: they do
not know enough about how the program can
help them, they have misconceptions about the
requirements for funding, or they are unprepared
for the application process. Each state will have its
own set of challenges regarding program perceptions
and project demand. Open communication with
prospective borrowers during and after the loan
application and implementation process can help

identify what worked well and potential areas
of improvement. Opportunities for enhanced
program support for loan recipients could also
be identified. The federal DWSRF program
has few implementation requirements and
states may find that there are ways to reduce
the burden on prospective borrowers and the
DWSRF program. For example, a state might
have specific requirements for preliminary
engineering reports, engineering design review,
or environmental assessments that could be
modified or streamlined for relatively simple
infrastructure replacement projects.

Streamlining DWSRF Requirements in Hawaii

"The Hawaii DWSRF has worked hard over the
years to streamline the program, eliminating as
many unnecessary steps as possible, while still
meeting federal requirements and maintaining the
integrity of the program. Our long-time borrowers
have recognized our efforts to improve and have said
that the Hawaii DWSRF is, hands-down, one of the
easiest federally-funded loan programs to work with.

We recently expanded the DWSRF to provide
loans to privately-owned public water systems
and have received great response. We have done
a lot of outreach, including presentations at local
conferences, notifications on the DWSRF website
and the Hawaii regulated community newsletter,
and site visits to educate systems and their board

members about the program. Private borrowers
expressed their gratitude in having the DWSRF
available to them and in feeling that the program
truly cares about them.

The Hawaii DWSRF emphasizes customer
service, sending the message that we want to
support water systems in maintaining and/or
achieving SDWA compliance, and are available
to help them in any way we can because they
are important and what they do is important. Our
borrowers appreciate that we see them as more
than just regulated entities, but as partners, as
ohana, in providing the public with one of our
most precious resources - safe drinking water."

- Joan Corrigan, Hawaii DOH

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How can states address system concerns?

As the financing authority, states can clarify program misconceptions that may discourage water systems
from applying for DWSRF loans. States can emphasize to water systems that they are available to help them
overcome perceived barriers they might encounter. Some potential perceived barriers and possible solutions are
identified below:

Misconception	What states and water systems should know

"The application
process or the
management of the
loans itself is too
daunting, complicated,
or time-intensive."

"Some of the federal
requirements (e.g.
Davis Bacon (DB)
or American Iron
and Steel (A IS)
requirements) are
difficult or costly to
comply with."

States may be able to offer technical assistance through their set-aside
program to help water systems manage the application process.

The DWSRF allows states to work the administrative costs of implementing
the loan into the financing itself.

Many states have templates or combined funding applications to streamline
the application process.

When water systems complete a cost comparison, the DWSRF may still be the
most affordable option due to its low interest rates and additional forms of
subsidy.

Resources are available to help them comply with the requirements. For
example, EPA provides several resources and staff that can help with
navigating AIS requirements, including providing product research when
domestic products are difficult to locate or reviewing product certification
letters. These services are provided at no cost to the water system. See the
Key Resources box below for more information.

Some states provide resources to help with DB compliance or offer
small amounts of additional subsidies to offset any increases in cost for
administration of DB. They may also provide access to tracking software to
make documentation for meeting the requirements easier.

Reminding water systems
that state DWSRF program
staff are available to
discuss these issues
and establishing open
communication with the
water systems and their
consultants can help
address concerns head-on.

Key Resources

EPA Headquarters offers
numerous resources to help
states and water systems
navigate American Iron and
Steel requirements.

Visit EPA's AIS website for
training materials, Q&As, and
other information.

Refer to EPA's American Iron
and Steel Implementation
Memo for detailed information
on how to comply with AIS
requirements.

Contact EPA DWSRF program
staff at SRF AIS@epa.gov

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5

Proactive Outreach to Potential Borrowers,
Design and Construction Communities, and
Other Partners

A critical element in building program demand is
to apply a proactive approach to identifying water
systems that could benefit from the DWSRF and
building a relationship with them to encourage
program participation. There are many resources
available to help state DWSRF programs identify
water systems that are eligible and in need of
DWSRF funds.

The Drinking Water Infrastructure Needs Survey
and Assessment provides information on DWSRF-
eligible projects already identified by water
systems as infrastructure needs.2 Though state
participation varies, the survey captures the needs
of a representative sample of systems serving
more than 3,300 people in most states. For
systems reporting needs to the survey, there are
project-specific descriptions of needs. Although
some of these descriptions are based on a general
understanding of water infrastructure needs, such
as an indication of how much pipe needs to be
replaced in a 20-year period, they can be used to
prompt a conversation about timing and scope for
future projects.

The Public Water System Supervision Program
(PWSS) Sanitary Surveys collect information about
water system infrastructure, including existing
system deficiencies, and are a useful source
for identifying potential borrowers and projects.
The purpose of sanitary surveys is to assess the
capability of a public water system to supply safe
drinking water. Those who conduct the surveys
in each state, along with PWSS managers and
capacity development coordinators, may know of
project needs at eligible water systems that could
be the focus of DWSRF outreach. Understanding

the sanitary survey cycle and type of information
collected can help state DWSRF programs identify
how the sanitary survey program can be used to
build project demand. Below are some examples
of ways in which state DWSRF programs can use
sanitary surveys to encourage water system interest
in the DWSRF program:

•	State DWSRF programs can request copies of
sanitary surveys and use the information to
start a conversation with water systems about
future needs. While helping water systems

to look beyond immediate problems, state
programs can offer assistance with asset
management planning and identifying what
may need to be replaced in the near term and
in the future.

•	State programs can offer DWSRF assistance to
address deficiencies found during the sanitary
surveys. If a water system lacks the technical
capacity to develop capital improvement
projects, DWSRF set-asides can provide
support for planning and design.

Key Resources

Training events and conferences of water
utility associations

Other state-specific events for water system
managers and operators

2More information about the Drinking Water Infrastructure Needs Survey and Assessment can be found here• https://www. epa.gov/dwsrf. The national summary
breaks down 20-year needs by state and by category, including improvements to distribution and transmission, treatment, storage, source, and other project
types. Water system-specific survey results may be available through the DWSRF state coordinator.

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• Some water systems may want to address
infrastructure needs sooner rather than later but
are hesitant about committing to a large capital
Improvement project. In these cases, state
DWSRF programs can suggest implementing the
project in smaller, more manageable phases.

Consulting engineers can be valuable partners in
program outreach and generating project demand
for the DWSRF, particularly if they have successfully
used the program. Consulting engineers that
work on water infrastructure projects can provide
valuable communication opportunities. Equipping
these engineers with information can help them
speak knowledgeably to clients about the benefits
the DWSRF program can provide. These partners
can also provide valuable feedback to the DWSRF

program on perceived barriers to using DWSRF
funding so that they can be addressed. State staff
can connect with consulting engineers directly,
as well as at local technical and engineering
conferences.

Past loan recipients may have suggestions for new
projects or know of water systems that face similar
challenges to their own. Many states have found it
useful to offer DWSRF assistance to communities
that are already receiving Clean Water State
Revolving Fund (CWSRF) funds, and vice versa.
Upon completing a CWSRF-funded project, a
community is often prepared to move on to a
drinking water project.

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6

EPA Region and Headquarters Support

DWSRF staff at EPA Regions and Headquarters are always eager to provide support and
information to state DWSRF programs. They keep informed about what other states are
doing, and can easily share best practices. EPA is available to help state efforts to improve
project demand for their program. A list of EPA Regional Project Officer contacts by state
and territory is available at

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Office of Ground Water
and Drinking Water

November 2019

EPA 810-K-18002


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