Technical guidance in planning and carrying out sound operations is provided borrowers on the basis of their individual problems and needs. No loan is made to anyone who can secure adequate credit from other sources at reasonable rates, except for certain initial emergency loans. A local county or area comdttee of 3 is generally required to approve each applicant and each loan or grant. On July 1, 1971, the Administration was servicing the accounts of about 548,000 individual borrowers and 7,500 association borrowers serving approximately 1,800,000 families with principal indebtedness of $7,869,000,000. Under the program direction of the Washington headquarters, this service was provided through 42 State offices, a National Finance Office in St. Louis, Missouri, and approximately 1,750 county offices utilizing the services of about 3,200 supervisors and 7,500 local committeemen. Actual Available Funds and Man-Years, 1971 and Estimated 1972 and 1973 (Note: The following table reflects loan authorizations and obligations under revolving funds, appropriations, and transfers from other agencies.) Item 92,892,839 7,515 99,833,000 7,934 109,500,000 7,928 -149,683 -3 -350,000 -7 -350,000 -7 92,743,156 7,512 99,483,000 7,927 109,150,000 7,921 602,800,934 7,512|558,579,000| 7,927 531,963,000| 7,921 |