The Drinking Water State Revolving Fund (DWSRF) was established under
the 1996 Safe Drinking Water Act (SDWA) to provide financial assistanc
e to water systems that cannot afford to make improvements that would
allow them to comply with regulatory standards. Disadvantaged communit
ies are also targeted for aid under the DWSRF. But to implement the pr
ovisions of the SDWA, states must adopt affordability criteria for use
in their DWSRF programs. ''Affordability'' is the term used to descri
be the ability of a water system and its customers to support the cost
of compliance. Although a considerable amount of research has been co
nducted on affordability, no simple solution has emerged. This article
describes a framework for understanding the multidimensional issue of
affordability.