The Rural Development division includes three programs that provide financial help to farmers and rural communities. The Rural Business-Cooperative Service (RBS) provides and guarantees loans to public entities and private parties who cannot obtain credit from other sources. Loans are made to help finance industry and business and to provide jobs in rural areas. The Rural Housing Service (RHS) provides affordable rental housing, home ownership opportunities, and essential community facilities. It also provides loans to buy, operate, and improve farms, and guarantees loans from commercial lenders. The Rural Utilities Service (RUS) is a credit agency that helps rural electric and telephone utilities obtain financing.
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