There are 874 electric distribution cooperatives and 60 generation and transmission cooperatives in the United States, which provide electric service to some 30 million people in 46 States. Reflecting their rural location, these cooperatives account for 7.4% of the kilowatt hours sold, but they maintain nearly half of the nation's electric distribution lines. Rural electric cooperatives have access to insured and guaranteed loans from the Rural Utilities Service. Insured loans primarily finance the construction of facilities for the distribution of electric power in rural areas. Guaranteed loans primarily finance generation and bulk transmission facilities for power supply borrowers.