Government debt consolidation loan - about govt. loans

Looking for a government debt consolidation loan? Learn facts about govt loans. You can research our government grant and federal assistance links free of charge.

Is there a government debt consolidation loan for individuals?

We are not aware of any government debt consolidation loan programs for individual, private citizens. Per our research, federal government resources recommend credit counseling for individuals who are unable to get debt under control on their own.

Apply now to see how credit counseling or debt settlement may benefit you.

Get a non-profit credit counseling or a free debt settlement quote online. Even non-home owners can enjoy unsecured debt consolidation and debt negotiation.

Learn who qualifies for a debt consolidation loan and review options to get out of debt.

Don't know which debt program is best for you? Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for your situation.

Whether you choose a credit counseling agency or a debt settlement company, either program can only help you with unsecured debt. Find out what types of unsecured debt qualify.

There is no such thing as a non home owner debt consolidation loan. You may; however, use other alternatives to reduce payments or to get a loan to pay off debt.

There are government grant programs, unclaimed money, unclaimed property, SBA grants to start a business and private grant foundations for women, minorities and veterans. Research free with us and pay no fees. Absolutely no credit card required.

Visit our FREE Gov Grants page for access to govt. grants, federal assistance, unclaimed money and unclaimed property.

Credit Federal no fee links to free govt. grants, unclaimed money, unclaimed property, financial and government assistance. Research free to determine your eligibility for grants or govt. assistance.

Search for free grants for debt relief. Check for federal assistance programs and grants for low income people.

Need more information? Read our financial and credit articles related to government grant, and join our online financial newsletter.

Grants for Organizations and Individuals

A federal grant is financial assistance from a federal agency and the grant recipient must carry out a public purpose authorized by a law of the United States. Federal grants are not federal assistance or loans to individuals and may not used to get property or services for the federal government's direct benefit. There are 26 Federal Agencies that offer over 1,000 grant programs in different categories. 

Here are the 26 agencies that provide grants: The Department of Health and Human Services, Agency for International Development, Corporation for National and Community Service, Department of Agriculture, Department of Commerce, Department of Defense, Department of Education, Department of Energy, Department of Health and Human Services, Department of Homeland Security, Department of Housing and Urban Development, Department of the Interior, Department of Justice, Department of Labor, Department of State, Department of Transportation, Department of the Treasury, Department of Veterans Affairs, Environmental Protection Agency, Institute of Museum and Library Services, National Aeronautics and Space Administration, National Archives and Records Administration, National Endowment for the Arts, National Endowment for the Humanities, National Science Foundation, Small Business Administration, and the Social Security Administration.

There are infomercials and websites that advertise free money, however few are available to individuals and there are none available that provides personal financial assistance. You can find out if you are eligible to apply for grants on Grants.gov website and you can watch a tutorial. If you register as an Individual, you will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is just open to organizations. 

Some examples of Organizations are: Government, State, Local, City, Township, Special District, Native American Tribal Governments, Education, Public Housing, and Non-Profit Organizations.

Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration (SBA) has established for most industries in the economy. The most common size standards are as follows:

* 500 employees for most manufacturing and mining industries

* 100 employees for all wholesale trade industries

* $6 million for most retail and service industries

* $28.5 million for most general & heavy construction industries

* $12 million for all special trade contractors

* $0.75 million for most agricultural industries

About one-fourth of industries have a size standard that is different from the levels above and they vary from $0.75 million to $28.5 million for size standards. This is based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees. With some exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA.

Visit the website: govbenefits.gov to get all the FAQs about grants and grant information for organizations and individuals.

Debt Consolidation

Debt consolidation can help turn huge high interest debt payments into one, manageable, low interest payment. Get out all your debts and list how much you pay in interest rates or late fees on those debts. You may be surprised to find you could be paying big bucks in fees just to shuffle all those debts from paycheck to paycheck. When there is a lot of money spent on fees, it may be time to consider a debt consolidation professional or an attempt to do-it-yourself.

Debt consolidation programs all vary so shop around for the terms and conditions of each before signing up to get out of debt. Take into account how long the company has been in business and try to find some friends or family who may have used the debt company and see what they have to report about the services.‘ Having the phrase "non-profit’" doesn't necessarily mean they are the best and does not mean they are honest. Check the company using the Better Business Bureau before applying for their debt services.

Try consolidating your credit card debts yourself by putting all your balances onto one, low interest, balance transfer credit card. This can save money in fees and help get you started on the right track to start paying down your debts. Make the payment every month to avoid late fees as high as $35. Consider filing all your credit cards away until you pay down the debt to at least below your credit limit and you are on your way to one form of debt consolidation.

What Is A Debt Management Plan	Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software.
Credit Card Debt Settlement	Credit card debt settlement, also known as debt negotiation and sometimes as a balance chargeoff, may be a good option if you are burdened by credit card debt to the point of filing bankrupty.
Debt Settlement Advice	Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice.

Democrats Demolish Economy	Trying to look like crusaders for the common American, democrats are demolishing the economy; business-by-business, increasing unemployment, widening the trade deficit and burying generations to come with big government debt.
What is a credit card chargeoff	Credit card chargeoff and free debt settlement. How to chargeoff credit card debt yourself or get professional help.
How to Tell Debt Collectors Not to Call	If a debt collector is calling constantly about debts; whether you actually owe or not, you have the right to tell them not to call you. Read our free tips and download our sample letters to send to creditor and debt collection agencies.

Lower Credit Card Balances	A federal government report reveals lower credit card balances for consumers. If you can't payoff credit cards, get free debt settlement, credit counseling and debt consolidation quotes.
Government Loan Modification SNAFU	It appears that the government loan modification program is following typical democrat trends - Situation Normal All Fouled Up (SNAFU). Democrats are proving republicans correct that the credit industry should be deregulated. If you are facing mortgage foreclosure, good luck with your refinancing.
Government Legit Credit for Bad Credit People	The government thinks it can regulate the credit industry to continue legit credit offers for bad credit people, but they fail to understand the high risks loan and credit card lenders face.
No Credit Check Bad Credit Loans	Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees.
FreeCreditReport or AnnualCreditReport	FreeCreditReport or AnnualCreditReport? Does FreeCreditReport.com really offer a free credit report copy as ordered by the government, with no credit card required?
Credit Card Limit Cut	Was your credit card limit cut? Your options, and why government law pushed your credit card company to cut your max limit.
Government Credit Card Control Dooms Rewards	Regulations for further government credit card control may spell doom for card rewards, high limits as well as low interest rates.
Unsecured Payday Advance or Loan Shark	Who will poor and bad credit people turn to for emergency loan funds if government legislatures ban payday loans? Compare unsecured payday advance personal loans to those of loan sharks.
Bad Credit Payday Loans Offer Unsecured Cash for Poor People	The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.
File Bankruptcy or Survive Credit Crisis	Although government laws make it tougher to file bankruptcy, the number of filings has increased due to the credit crisis. Here are free tips on how to survive.
Gov IRS Tax, Rebate and Return Tips	Review these government tips regarding IRS Recovery Rebate Credit, Tax Law Changes, Earned Income EIC and getting Old Tax Return Copies.
Gov IRS Tax Debt Help	Owe the government money instead of getting a refund? Review your IRS tax debt help options.
Easy Credit Returning	Heavy factors harming the economy are credit card and loan approvals getting harder for bad credit people, plus issuers raising credit card interest rates while lowering credit limits. Will easy credit approvals return with the federal government's 800 billion pledge?
Credit Protection Government Laws	The troubled economy and bad credit crisis has many Americans wondering what government laws offer consumer credit protection. The Fair Debt Collection Practices Act, Credit Repair Organizations Act, Fair Credit Reporting Act, Fair Credit Billing Act and the Credit Cardholder Bill of Rights.
Government Auctions & Seizures	You have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
Debt Free Money	The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements.
No Credit to Bad Credit	Today even bad credit people can get approved for most personal finance products, but government legislatures think poor people cannot use credit wisely and may pass laws that result in no credit except for the wealthy and influential. Bad credit cards and high risk loans serve needs.
ID Identity Theft Scams	The federal government; IRS, warns tax payers of 700 attempted incidents of identity theft (ID theft) or phishing mainly about the free government money tax rebates. Learn how this type of fraud can hurt you, and how to protect yourself and how to report it.
Account Identity Theft	Phishing; fraudulent attempts to perform account identity theft, is a growing problem and not only for good credit people, but also for those with bad credit. Read the government definition of phishing and subscribe to our good or bad credit offers newsletter.
IRS Mileage Increase 2008 Tax Info	The IRS has increased the mileage rate in view of rising gas prices, and updates 2008 tax filing information. Also visit our other federal government money articles and resources.
How to Read Credit Report	Explanation on how to read credit report information and entries so you can improve your score. Instantly order your government approved, annual free credit report so you can perform a credit check and fix credit report errors.
American Express Card Member Project	There are now new ways for American Express card members submit project ideas for the Members Project. American Express will donate $2.5 million to fund the project. Also browse our website for government grant programs.
Homeowner Financial Assistance	Instead of tax payer funds, profits from government sponsored mortgage lenders Fannie Mae and Freddie Mac would give refi homeowner assistance to up to 500,000 strapped borrowers, possibly even bad credit home loan borrowers.
New Credit Card Company Rules Regulations	The federal government is proposing new credit card company rules and regulations to ensure cardholder fair treatment and clear card statements and terms, particularly bad credit cards. Unfortunately, this may create higher interest costs for good credit people and no credit card offers for poor credit people.
Free Money Gov Tax Rebate Check	All tax filing Americans to receive a free money check. Should you payoff credit card debt? Start a savings account? Personal finance tips and advice on how to get the most benefit from your government IRS tax rebate.
Faster Tax Rebate Checks	Free money brings good news to a bad economy. Government answers where is my IRS tax refund check? Faster tax rebate checks coming and tax filing requirement.
New Money $50 Bill	To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $50 dollar bill.
New Money $20 Bill	To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $20 dollar bill.
New Money $10 Bill	To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $10 dollar bill.
New Money $5 Dollar Bill	To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $5 dollar bill.
Credit Card Fair Fee Act	Federal Government's Credit Card Fair Fee Act takes on Visa and MasterCard credit card companies to help business merchants negotiate transaction processing costs.
Free Money	Rebate grant to help poor people and economy. Government to give away free money for mad spending vs saving or bill paying. How will you spend your government check?
Pre-Bankruptcy Credit Counseling Bad News	To reduce filings, the federal government passed legislation requiring debtors to use credit counseling, AKA debt management, before they file bankruptcy. Another less preferred option is to chargeoff debt via settlement negotiation.
Fannie Mae Accounting	A government review of Fannie Mae accounting has surfaced more errors.
IRS Hires Debt Collectors	The U.S. Government; which helps protect you from debt collectors, is now hiring those collection agencies to get your past due IRS taxes.
Spot Counterfeit Money	Learn how to spot counterfeit money, and where to report fake money to the federal government.

Democrats Demolish Economy	Trying to look like crusaders for the common American, democrats are demolishing the economy; business-by-business, increasing unemployment, widening the trade deficit and burying generations to come with big government debt.
Subprime Loan Lawsuits	Consumers who were a high risk never should have been approved for subprime loans, but got them due to government control which insisted on approving mortgage loans although default was certain. If that government interference wasn't bad enough, now certain government officials and homeowners are going to court over what they consider to be unfair, predatory practices.
Subprime Predatory Loan Lawsuits	Bad credit consumers who should not have received loan approval during the booming housing market, are now filing subprime predatory loan lawsuits. Government officials and homeowners are going to court over what they claim to be unfair, predatory practices and are still going through the legal system.
Big Government Destroys Capitalism Freedom and Economy	Big Government Destroys Capitalism and Freedom
Government Regulations for Credit Report Bureau Ratings	The Government Securty and Exchange Commission (SEC) Propose Regulations on Credit Report Bureau Ratings. Rules will have an effect on Standard & Poor's, Moody's Investors Service, and Fitch Ratings.
Consumers Love Cash for Clunker Cars	Consumers love the cash for clunker cars government program. Get an even better deal... Avoid dealership financing tricks by getting an online, preapproved auto loan.
New Government Credit Card Act	New Government Credit Card Act. The CARD Act is supposed to put an end to so-called unfair rate hikes and hidden fees. However; at a time when our economy is in desperate need of credit, democrats are putting a restrictive squeeze on the credit industry's ability to offer easy approval loans and credit cards to all consumers, including bad credit people who need credit now the most.
Free Trade In Vouchers for New Cars	The federal government will soon offer free trade in vouchers for new cars. If you have an old junker, trade it in and use the money as a free downpayment on a new auto loan.
Don't Pay Taxes after Death	Don't Pay Government IRS Taxes after Death. We work hard, put in extra hours, and then pay taxes on the income. We sometimes think that there will not be any extra taxes upon our death.
Social Security and Medicare Finances	With all the money woes at hand there is even more concern about the government's Social Security and Medicare programs. It appears budgets have affected both and the cash may be depleted by 2041. The prediction has been that Social Security would be paying more out in 2017 than it collects through taxes.
Bad Credit Loans and Credit Cards Becoming History	There once was a time when almost anyone; despite very bad credit, could obtain a credit card or even an auto loan and certainly a mortgage. Now; however, bad credit people have far fewer resources as more offers become extinct, either by the lenders' decisions or by government interference. During this era of the credit crisis, bad credit people should focus on how to improve credit scores instead of trying to find credit that will either cost them dearly or has fallen off the market entirely.
Credit Card Rate and Fee Reform	Democratic leaders of the government have been pushing for closure on a bill dealing with credit card rate increases and fees. If approved, the changes may push some issuers to altogether discontinue offering any type of bad credit card to high risk people.
IRS Late Tax Filing Extensions	Still haven't filed your 1040 and won't make the government's deadline? IRS Late Tax Filing Extensions.
Government Lawmakers, IRS Taxes and the Economy	Government Lawmakers, IRS Taxes and the Economy.
Guaranteed New Car Warranty	President Obama guaranteed that the government will honor new car warranties even if the auto manufacturer fails. Apply for a new or used auto loan quote.
Government Credit Unions, Bank Closings	Government Control, Credit Unions, Bank Closings
Bailout Bonus Tax	With the public in a rage over recent bonus payments, the government did pass a bill in a 328 to 93 vote for an IRS bailout bonus tax legislation.
Bank Bailout Boomerang	Bailed out banks are now wanting to return funds from the TARP (Troubled Asset Relief Program). Recently three banks (IberiaBank Corp., TCF Financial and Signature Bank) have declared they will be paying back the government.
Where To Find Government Grants	The federal CFDA website is where to find Government Grants, but as of the date of this article the government is still overhauling it.
Government Stimulus Objection	Conservative Senate Republicans vowed to vote against an $888 billion government stimulus package when it comes up for a vote in the Senate.
Government Mortgage Foreclosure Aid	The federal government launches a mortgage aid program to help prevent foreclosures. Reapply for a new mortgage loan plan.
Government Fannie Freddie Mortgages	Federal government takeover of Fannie Mae and Freddie Mac. Get the latest home loan and mortgage refinancing news and submit your online application.
Bank Emergency Loan Program	The federal government extends an emergency loan program to give banks access to more, longer term cash loans. With interest rates low, now is a good time for a good or a bad credit home, auto or personal loan.
File Disability	How to file disability. You can apply online or call a toll free number to file for government free money and assistance.
Past Due Utility Bill Cutoff	If you are past due on your utility bill, you may face utility company cutoff. The free money from the government (tax rebate) that was designed to stimulate the economy, may end up funding utility bills and gas fillups.
Abandoned and Unclaimed Property	Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
Wheres My Stimulus Tax Rebate Check	Looking for your Stimulus, IRS Rebate Check? A new tool called 'Where's My Stimulus Payment' is now available on the federal government's IRS Tax website.
Wheres My Tax Refund	Looking for your government tax refund? If you filed an IRS tax return and are expecting a refund, here's how to track it's status and location.
2 Mortgages Comparison	Comparison of 2 mortgages from people with identical bad credit histories; one an ARM and one a 30 year fixed rate home loan. Should there be a government grant or mortgage refinancing to solve late payments and defaults?
Government Tax Rebate Checks	Government tax rebate checks due out soon, hoping consumers will make new purchases to stimulate the economy instead of using the money to pay off bills. But will this lead to higher debt and possibly chargeoffs later on, worsening the economy?
Higher Loans Lower Interest Debt	The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt.
Bank of America Charity Grants	Bank of America commits over $5 million in charity and grants. Get instant access to private and government grant applications.
Bank Account Transaction Reporting	Banks report more suspicious and potentially fraudulent account activities to the federal government. Read about scams and download our free checkbook register software.
JPMorgan Chase Electronic Payments	JPMorgan Chase's recent ExacTrac offers new electronic payments for mid or large size corportation and government agencies.
Grant Scams	US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.
IRS Tax Witholding	IRS strengthens federal government tax withholding compliance. File income tax online for fastest refund time.

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