Financial Assistance-Septic

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Due to scheduled maintenance on Monday, June 8th, this website may experience intermittent downtime between the hours of 4:30pm and 8:00pm.

St. Louis County offers different forms of financial assistance for septic owners.

Low Interest Loans: Repair, replacement or upgrading of any portion-of an ISTS that is outside the residential or commercial structure, including any part of a collector system between the house and the junction with the collector system. See the Septic Loans Fact Sheet for additional details.

Low Interest Loan
Maximum 10 Years
3% Interest Rate
Maximum Loan $50,000
No Income Restrictions

Deferred Loans: Repair, replace, or upgrade any portion of an individual sewage treatment system deemed an Imminent Threat to Public Health (ITPH) or Non-Compliant. See the Septic Loans Fact Sheet for additional details.

System must be an Imminent Threat to Public Health (ITPH) or Non-Compliant
Available to eligible low-income households
Household projected gross annual income must be within USDA Rural Development low-income limits
Deferred loan with 0% interest and no monthly payments
Forgivable at the end of the 5-year term with continued ownership and occupancy

Contact Information
Beth Davies
Arrowhead Economic Opportunity Agency (AEOA)
(218) 735-6819
septic@aeoa.org