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Barnstable County Program Finances $40 Million in Septic Upgrades

Filed in Environment, NEWS HEADLINES by on December 12, 2017 0 Comments • views: 534

If you’ve got a failed septic system but don’t have the money to repair or replace it, Barnstable County can help.

The Barnstable County Community Septic Management Loan Program (CSMLP) is available to Barnstable County residents to finance the replacement of failed residential septic systems. Whether it’s a conventional or innovative/alternative system, or a sewer hook-up, the loan amount covers all costs including design and site restoration.

Since May 2006, CSMLP has given out $40 million dollars, financing over 3,60 projects with an average cost of $11,000. The loans carry a 5% interest rate over a 20-year term. The loan process is simple and typical approval turnaround time is 24 hours.

The CSMLP is overseen by the Barnstable County Department of Health and environment, and funded by the Massachusetts Clean Water Trust, which receives funding from the United State s Environmental Protection Agency. these funds are supplemented by state matching funds and the repayment of funds from previous borrowers – when loans to the County are repaid, the money is recycled and lent out again.

“I am very proud to be part of this very successful Barnstable County program serving the residents of Cape Cod for over 11 years now,” says Program Administrator Kendall Ayers. “With the cost of repairing and replacing failed septic systems in the rise, it is no surprise the program is a success. Having a failed septic system is a crisis for a homeowner. It goes beyond the financial burden with the potential for negative effects on quality of life and even health.  The loan program is critical for easing the financial burden of septic system replacement.”

For more information on the CSMLP, contact Kendall Ayers at 508-375-6610 or visit


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