For All U.S. Residents. FREE. Finding the right loan for you is easy at
GovLoans.gov is your gateway to government loan information. It directs you to the loan information that best meets your needs.
Listed below are the agencies whose loan programs are represented on this site.
All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.
Free Grant Opportunities Search
Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.
Search by a variety of categories of funding activities.
Search from a list of agencies offering grant opportunities.
Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.
Search for Recovery Act Opportunities.
* Log and Itemize Expenses by Category
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Catalog Programs are classified into 15 types of assistance
(A) Formula Grants
Allocations of money to States or their subdivisions in accordance with distribution formulas prescribed by law or administrative regulation, for activities of a continuing nature not confined to a specific project.
(B) Project Grants
The funding, for fixed or known periods, of specific projects. Project grants can include fellowships, scholarships, research grants, training grants, traineeships, experimental and demonstration grants, evaluation grants, planning grants, technical assistance grants, survey grants, and construction grants.
(C) Direct Payments for Specified Use
Financial assistance from the Federal government provided directly to individuals, private firms, and other private institutions to encourage or subsidize a particular activity by conditioning the receipt of the assistance on a particular performance by the recipient. This does not include solicited contracts for the procurement of goods and services for the Federal government.
(D) Direct Payments with Unrestricted Use
Financial assistance from the Federal government provided directly to beneficiaries who satisfy Federal eligibility requirements with no restrictions being imposed on the recipient as to how the money is spent. Included are payments under retirement, pension, and compensatory programs.
(E) Direct Loans
Financial assistance provided through the lending of Federal monies for a specific period of time, with a reasonable expectation of repayment. Such loans may or may not require the payment of interest.
Guaranteed /Insured Loans
Programs in which the Federal government makes an arrangement to identify a lender against part or all of any defaults by those responsible for repayment of loans.
Financial assistance provided to assure reimbursement for losses sustained under specified conditions. Coverage may be provided directly by the Federal government or through private carriers and may or may not involve the payment of premiums.
(H) Sale, Exchange, or Donation of Property and Goods
Programs which provide for the sale, exchange, or donation of Federal real property, personal property, commodities, and other goods including land, buildings, equipment, food and drugs. This does not include the loan of, use of, or access to Federal facilities or property.
(I) Use of Property, Facilities, and Equipment
Programs which provide for the loan of, use of, or access to Federal facilities or property wherein the federally owned facilities or property do not remain in the possession of the recipient of the assistance.
(J) Provision of Specialized Services
Programs which provide Federal personnel directly to perform certain tasks for the benefit of communities or individuals. These services may be performed in conjunction with nonfederal personnel, but they involve more than consultation, advice, or counseling.
(K) Advisory Services and Counseling
Programs which provide Federal specialists to consult, advise, or counsel communities or individuals to include conferences, workshops, or personal contacts. This may involve the use of published information, but only in a secondary capacity.
(L) Dissemination of Technical Information
Programs which provide for the publication and distribution of information or data of a specialized or technical nature frequently through clearinghouses or libraries. This does not include conventional public information services designed for general public consumption.
Programs which provide instructional activities conducted directly by a Federal agency for individuals not employed by the Federal government.
(N) Investigation of Complaints
Federal administrative agency activities that are initiated in response to requests, either formal or informal, to examine or investigate claims of violations of Federal statutes, policies, or procedure. The origination of such claims must come from outside the Federal government.
(O) Federal Employment
Programs which reflect the Government wide responsibilities of the Office of Personnel Management in the recruitment and hiring of Federal civilian agency personnel.
Note: Numbers in parenthesis after the type of assistance indicate the number of programs listed in the Catalog having that type. Also, a program may have more than one type of assistance associated with it.
Government Grants - Catalog of Federal Domestic Assistance (CFDA)
CFDA currently tracks over $10 million federal dollars obligated to domestic assistance programs. The following chart displays projected and actual Recovery and non-Recovery federal dollars obligated.
Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
You do not need an account to search the catalog and view Federal assistance programs.
Where can I get help about CFDA? For questions about CFDA, you can contact the Federal Service Desk by clicking on the For Help: Federal Service Desk link on the bottom left of every page or by visiting the Federal Service Desk at (https://www.fsd.gov). Users may call the Federal Service Desk by dialing 1-866-606-8220 (national) or 1-334-206-7828 (international) from 8:00 a.m. to 8:00 p.m.
Do I need to register for an Agency User account to use the system? No. CFDA Agency User accounts are only for Federal government staff managing the CFDA program data. You do not need an account to search the CFDA catalog or to view Federal assistance programs. This information is freely available to any interested party. You can search by keyword, by agency, by program number as well as fine tune your search requests using the advanced search feature.
Why was my account request rejected? CFDA system accounts are only for Federal government staff managing the CFDA program data. If your account request was rejected, that means that the Agency Coordinator was unable to confirm your status as a government staff member. If you feel this decision is in error, let us know via the email@example.com e-mail address.
Is there a User Manual? The public user manual is available on the homepage (www.cfda.gov) in PDF format. There is also a link to it at the bottom of every page.
Is there a way to electronically download program data? The CFDA established a public FTP site in order to promote sharing of program data, as well as to provide a means for related government systems to download data reliably and efficiently. The FTP site URL is ftp://ftp.cfda.gov and provides users with the ability to anonymously download program data in csv format. There are two available file options:
Daily File: This file is updated nightly and will contain the following limited program data fields: Program Number, Program Title, and Agency. The file name will adhere to the following naming convention: "programsYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs09159.csv
Weekly File: This file is updated weekly (Sunday night) and will contain ALL program data fields publicly available. The file name will adhere to the following naming convention: "programs-fullYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs-full09164.csv
How can I tell if a CFDA program contains Recovery Act funding? All CFDA programs that are funded in whole or in part by the American Recovery and Reinvestment Act of 2009 (the Recovery Act) have a "RECOVERY" icon embedded in their header information. This icon is visible in the [Search Recovery Programs] results and when you view the program description for a Recovery Act-funded program.
The Catalog of Federal Domestic Assistance is a government-wide compendium of Federal programs, projects, services, and activities that provide assistance or benefits to the American public. It contains financial and nonfinancial assistance programs administered by departments and establishments of the Federal government.
In 1984, Public Law 98-169 authorized the transfer of responsibilities of the Federal Program Information Act from the Office of Management and Budget to the General Services Administration (GSA). The transfer took place in July 1984. These responsibilities include the dissemination of Federal domestic assistance program information through the Catalog of Federal Domestic Assistance, pursuant to the Federal Program Information Act, Public Law 95-220, as amended by Public Law 98-169. GSA now maintains the Federal assistance information database from which program information is obtained. The Office of Management and Budget serves as an intermediary agent between the Federal agencies and GSA, thus providing oversight to the necessary collection of Federal domestic assistance program data.
As the basic reference source of Federal programs, the primary purpose of the Catalog is to assist users in identifying programs that meet specific objectives of the potential applicant, and to obtain general information on Federal assistance programs. In addition, the intent of the Catalog is to improve coordination and communication between the Federal government and State and local governments.
Programs selected for inclusion in the Federal assistance data base are defined as any function of a Federal agency that provides assistance or benefits for a State or States, territorial possession, county, city, other political subdivision, grouping, or instrumentality thereof; any domestic profit or nonprofit corporation, institution, or individual, other than an agency of the Federal government.
A "Federal domestic assistance program" may in practice be called a program, an activity, a service, a project, a process, or some other name, regardless of whether it is identified as a separate program by statute or regulation. It will be identified in terms of its legal authority, administering office, funding, purpose, benefits, and beneficiaries.
"Assistance" or "benefits" refers to the transfer of money, property, services, or anything of value, the principal purpose of which is to accomplish a public purpose of support or stimulation authorized by Federal statute. Assistance includes, but is not limited to grants, loans, loan guarantees, scholarships, mortgage loans, insurance, and other types of financial assistance, including cooperative agreements; property, technical assistance, counseling, statistical, and other expert information; and service activities of regulatory agencies. It does not include the provision of conventional public information services.
For years, GSA has published a printed version of the Catalog of Federal Domestic Assistance (CFDA or Catalog), as required by legislation dating to 1977 and 1983. That same legislation allowed GSA to distribute free copies of the printed Catalog to designated recipients. In fiscal year 2003, nearly 10,000 paper copies of the Catalog were distributed at no cost to the recipients.
Current legislation, however, authorizes GSA to determine in what form to prepare and publish the Catalog. Consistent with the Administration's Electronic-Government initiatives, the Government Paperwork Elimination Act, and a move to a paper free environment, GSA will now disseminate the Catalog electronically through the CFDA website on the Internet. As a result, effective immediately, GSA will no longer print and distribute free copies of the Catalog.
The Internet and GSA’s free CFDA website at http://www.cfda.gov will be the primary means of disseminating the Catalog. The CFDA website will also contain a PDF file version of the Catalog that, when printed by any user, will have the same layout as the printed document that the Government Printing Office (GPO) has provided.
GPO will continue printing and selling the CFDA to interested buyers. For information about purchasing the Catalog of Federal Domestic Assistance from GPO, call the Superintendent of Documents at 202-512-1800 or toll free at 866-512-1800, or you may reach GPO's on-line bookstore at
for grants for unemployed people.
Must banks immediately deposit checks to an account so I won't overdraft? Deposited Checks are Subject to a Temporary Hold - Federal rules allow banking institutions to put a temporary "hold" on certain deposits as a way of protecting against losses, primarily from checks drawn against accounts with insufficient funds. Depending on the type of deposit - electronic direct deposit, Treasury check, local check, large check and so on - you may have to wait anywhere from one business day to 11 business days before you can withdraw your deposit. Many consumers do not understand when their deposited funds can be made available to them. To raise awareness of the rules, we are providing responses to two common questions consumers have about holds on checks.
Credit Cards - # Use them carefully. Credit cards offer great benefits, especially the ability to buy now and pay later. But you've got to keep the debt levels manageable. If you don't, the costs in terms of fees and interest, or the damage to your credit record, could be significant. # Choose them carefully. Don't choose a credit card just to get freebies (T-shirts or sports items) or because there's no annual fee. Look for a card that's best for your borrowing habits. Example: If you expect to carry a balance on your card from month to month, which means you'll be charged interest, it's more important to look for a card with a low interest rate or a generous "grace period" (more time before your payments are due). # Pay as much as you can to avoid or minimize interest charges. If possible, pay your bill in full each month. Remember, paying only the minimum due each month means you'll be paying a lot of interest for many years, and those costs could far exceed the amount of your original purchase. # Pay on time. You'll avoid a late fee of about $35 or more. But more importantly, continued late payments on your credit card may be reported to the major credit bureaus as a sign that you have problems handling your finances. And if your credit rating gets downgraded, your card company could raise the interest rate on your credit card, reduce your credit limit (the maximum amount you can borrow) or even cancel your card. Late payment on your credit card also can be a mark against you the next time you apply for an apartment or a job. # Protect your credit card numbers from thieves. Never provide your credit card numbers - both the account numbers and expiration date on the front and the security code on the back - in response to an unsolicited phone call, e-mail or other communication you didn't originate. When using your credit card online make sure you're dealing with a legitimate Web site and that your information will be encrypted (scrambled for security purposes) during transmission. Major credit card companies also are offering more protection by providing "zero-liability" programs that protect consumers from the unauthorized use of their card. In general, only give your credit card or card numbers to reputable merchants or other organizations. Checks and Bank Checking Accounts - # Shop around for a good deal, preferably an account without a monthly maintenance fee. Banks usually offer several accounts to choose from with different features, fees, interest rates, opening balance requirements and so on. And remember that what's good for your parents or your friends may not be best for you. # Keep your checkbook up to date by recording all transactions, including ATM withdrawals, bank fees, purchases you make using a debit card, and any other deductions that do not involve writing a check. Also promptly compare your checkbook with your monthly statement or review your account information online or by telephone. # Avoid "overdrawing your account," which can happen if you write a check or otherwise attempt to withdraw (by mistake) more money than you have in your account. It also is possible to overdraw your account using your debit card at the ATM or when making a purchase. These transactions can be costly. (See If at First You Don't Succeed) # Consider Internet (online) banking. This service allows you to make payments or move money from one account to another through your bank's Web site instead of (or in addition to) writing and mailing paper checks. This saves on the costs of postage and buying paper checks. Online banking also allows you to monitor your account without having to wait for a statement in the mail. # Pay attention to your bank statements. Immediately report any errors or unauthorized transactions (to protect yourself from accusations that you were negligent in managing your account). Look at your statement as soon as possible after it arrives in the mail or monitor your account more regularly on the Internet or through your bank's telephone banking service.
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
There are basically two general types of grant programs for individuals. There are programs which offer direct payments to individuals, and others which indirectly benefit individuals by providing the the funding required to the desired service. Most grant programs indirectly benefit you, the individual.
For example, let's say you are at risk of losing your house or apartment because you do not have the funds for your next payment. If you meet the state eligibility requirements then the funding you need for next payment will be sent to your mortgage holder or landlord.
Now lets say that you have debt racked up on a few credit cards and need help paying them off. The government grants go to debt relief agencies which in turn work with you by providing counseling and or debt consolidation at no cost to you.
As you can see in these two examples, the funding goes to the person or organization offering the service. These are examples of indirect grant programs for individuals. The grants benefit you, but you do not see the money.
Currently there are over 5,500 private grant programs that award money directly to individuals each and every year. Many grant programs have been created specifically for seniors, the disabled, veterans, students, low-income earners, and those who need it the most! There are all types of grants to help you with your personal needs. You can find personal grants for:
* Personal loan grant to buy a home
* Vehicles for the disabled
* Repairing your home
* Housing assistance
* Mortgage payments
* Legal services
* Bill payments for seniors
* General living expenses
* Real estate taxes
Christmas Loans: Because Christmas is a special time, presents and celebrations can be costly and you may not have enough money. Christmas loans can help solve money problems. There may be offers with reduced rates, flexible repayments, or grace periods. These loans are usually personal, unsecured loans and can be used for anything - money for a down payment on a used auto, presents, or paying bills. What you get can depend on your credit and how much you can repay. Many times, even bankruptcy is not a problem for getting approved.
Special loan offers may be one right solution for obtaining Christmas money. There are many lenders who do not have the hard-to-meet-requirements for approval. Find an ideal Christmas loan solution, regardless of credit. Interest rates can be tiered according to the lender's risk. Get a couple of loan
quotes; after all banks and credit unions must compete for your business to
offer an interest rate lower than competitors..
There are many ways to eliminate debt, and without no collateral loan
consolidation. Know Debt Budget Counseling (knowdebt.org) - * Regain Control of
Your Money * Improve Spending Practices * Track Where Your Money Goes * Reduce
Stress, Improve Life. Budgeting, or a Spending Plan, is essential to being
financially competent. It is a component of any debt solution. Knowing how to
properly set up and implement a Spending Plan is the first step towards
financial freedom. Learning how, however, is only part of the story, a part
called financial literacy. The execution of the spending plan is called
financial competence. Financial planning is commonly associated with savings,
investing, and estate planning. Personal Financial Literacy: All of your
financial goals will be unreachable unless you first live within your means.
Hence, learning about budgeting, or a “Spending Plan”, how to develop it,
use it, evaluate it, and improve it, are the foundational principles of
financial literacy. It is a critical tool for creating and maintaining your
financial health. Personal Financial Competency: The execution of a viable
Spending Plan is fundamental to success. Planning without execution is just
dreaming. The execution process means followthrough with the plan. After setting
goals and planning, you must track performance, evaluate results, and implement
improvements in your planning, and the process repeats. As it repeats, you
become better at it, eventually becoming habits that will benefit you now, and
the rest of your life, as well as your family. Our experienced, accredited
counselors can help you understand your options and plan for the future in order
to reach your financial goals. Call 888-995-7856 for a free consultation, or
start with our Spending Plan publication, or complete our online Financial
Review and a counselor will examine the information and contact you.
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Total Debt Services, LLC offers a wide range of debt management and debt settlement programs where our Qualified Debt Specialists work on your behalf with Creditors and / or Collection Agencies to negotiate your outstanding debt obligation.
Advantages of Debt Settlement: Whether your are looking to negotiate your credit card debt or looking to settle personal loans or other types of loans, there are advantages to working with Total Debt Services:
* Our Debt Settlement Solutions can help you avoid bankruptcy
* Consolidate multiple payment into a single monthly payment
* Educate you on how to stop Collection Agencies from contacting you
Total Debt Services was founded in 2003. When processing loans it was neccessary for potential clients to clear up some outstanding old debts or lower debt to income ratios to qualify. Debt settlement was seen as an extra service that could be provided to help clients qualify for a mortgage. As the need for debt relief continues to grow it has become a cornerstone of our financial services.
Debt Consolidation Loans: Total Debt Services works with individual and families that have become overextended due to high interest rates, medical expenses, job loss, or other factors resulting in high credit card or other unsecured debt. When you work with our Debt Analysts to help settle outstanding debt with Creditors, you are making a choice for a better financial future. Our services are guaranteed to resolve your financial debt problems in a timely and affordable manner.
Real Debt Service Solutions = Real Results: Our Debt Service Specialists work on your behalf to negotiate your unsecured debt using proven, effective methods that not only provides financial relief but relief from debt collectors as well.
Bankruptcy is not a feasible option and can last on your credit report for up to 10 years. Either complete the online contact form above or call our toll-free number today for a free Debt Analysis. Your consultation is completely private and there is never any obligation to work with Total Debt Services. We have the experience necessary to help you resolve your debt and avoid bankruptcy!
With Total Debt Serviecs you get:
* A reputable and knowledgeable Debt Specialist dedicated to resolving your debt issues
* The backing of a company which has settled thousands of clients usecured debt across the nation
* A multitude of programs which you can choose from to settle your debt in a manner which meets your ongoing needs.
* A secured third party special purposes account in your name and which you control and have access too at all times.
Debt Settlement: Total Debt Services excels past all others when it comes to Debt Settlement services. When you are in a situation where your debt is outpacing your ability to pay minimum payments and the fees start piling up, you want us on your side. We will work with you to stop the collection calls while settling your debt for less than your full balance.
We offer a host of settlement programs designed to decrease the amount you owe by negotiating with your creditors and collection agencies. There are many types of debt we can settle for you. While credit card debt is most common, we also work with medical bills, gas / store cards, personal and student loans, as well as other unsecured lines of credit. Programs are personalized, but can take from 1 to 4 years to settle your outstanding debt. The actual time will depend on your balances, what type of debts, your Creditors and the funds you have available monthly to put towards your program.
There are great benefits of using debt settlement programs offered by Total Debt Services and there are also downsides as can be expected when paying off less than what you originally owed.
Total Debt Services
4159 Veneto Dr
Frisco, Texas 75034
Long Term Care Health and Disability Insurance
Overview of Long Term Care, Home Health Care and Disability Insurance
Long Term Care Insurance can provide help in paying for a nursing facility or in-home care for a long term illness.
Surprisingly, Long Term Care insurance (LTC) isn't popular with most Americans. This thinking; of course, has strained the finances of many families who unexpectedly have to care for loved ones.
Before buying a long term care policy, decide:
What Kind of Long Term Care Insurance Coverage You Need? Get the details of policies from an agent or online.
Which Long Term Care Insurance Company to Join? In addition to reviewing company history, BBB comments or complaints, also compare
coverage and premiums.