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CONTRACT FOR DEED: Exclude contract for deed value if: 1. The written contract terms include at least annual payments from the purchaser to the contract owner; and 2. The contract terms are being met. If the written contract terms are not being met, the household/owners must exhaust all available legal recourse to enforce the contract terms before Medicaid can be approved. If the contract terms do not include provisions for at least annual payments to the contract owner, the unpaid balance or highest purchase offer from a knowledgeable source is considered an available/countable resource, unless contract terms specifically prohibit sale. If a contract was entered into during the look-back period and did not contain these payment provisions, an asset transfer must be evaluated (CMA 404-1 Asset Transfers). If an unscheduled lump sum payment is made to the contract principal, the unscheduled payment is income in the month received and a resource thereafter, to the extent retained. Refer to CMA 501-1 Unearned Income for information regarding how contract for deed income is counted. CREDIT UNION ACCOUNTS: Countable, unless otherwise excluded (i.e., portion that is the current month’s income or funds prorated as income). DEBIT CARDS: Count the available balance, less current month income deposited or added to the card. Debit cards include prepaid or electronic funds deposit accounts where the individual has access to available funds (including, but not limited to Direct Express, Walmart Debit cards, prepaid credit cards, etc.). DOMESTIC VOLUNTEER SERVICES ACT: Excluded in month of receipt, countable the following month. This includes RSVP, Foster Grandparents, SCORE, and ACE programs funded through this act. EDUCATIONAL INCOME: Exclude all educational income (including Title IV, BIA, VA, Work Study for post- secondary education). The individual must be enrolled in school and attending classes to be considered a student. See CMA 401-1 Resource Ownership, Accessibility and Equity Value FAMILY SELF-SUFFICIENCY ESCROW PROGRAM ACCOUNTS: Exclude funds held in an escrow account while the household participates in a HUD (Housing and Urban Development) Family Self-Sufficiency Program.