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.
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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 firstname.lastname@example.org 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.
Joint Credit and Divorce: Consult legal counsel because uninformed decisions could cost you. Also consider discussing tax issues with an accountant or other advisor because certain decisions, such as who will claim children on his or her tax return, can affect each parent's tax liability. For more information, see IRS publication 504, "Tax Information for Divorced or Separated Individuals," online at irs.gov. You also may be able to reduce some legal fees by working with a mediator to resolve issues such as child custody. Cancel joint credit cards to prevent the other spouse from running up large bills. Start or build your own credit history independent of the marriage, such as by opening a new credit card in your name only. Decide who is responsible for debts incurred during the marriage. If you change your last name, notify the major credit bureaus (www.equifax.com, www.experian.com and www.transunion.com). It's also important that you update your will and the list of beneficiaries you designate on life insurance policies, retirement savings accounts and U.S. Savings Bonds, so your money and other assets will go to the right people upon your death.
Teach Teen Children About Credit: Help your child start a savings or investment account. Young kids will enjoy saving money in piggy banks, but at around age eight, think about helping them open a small savings account. That way they also begin learning what banking is all about. Many parents reward their children for sticking to a savings plan by matching or adding to what the child contributes. As children get older, discuss the pros and cons of owning investments, such as stocks, bonds and mutual funds. Investments can produce higher returns than bank deposits over the long term, but remember that investments can lose money and they are not insured by the FDIC. Give an allowance. If used as a teaching tool and not a giveaway, an allowance can be one of the best ways to teach kids, even as young as five or six, about money management. It also allows children to experiment with money management and learn from their mistakes without losing too much in the process. Encourage them to decide in advance how much should go into savings (which reinforces the concept of "pay yourself first"), how much should go into the spending pile (for their use as "pocket money") and how much should be set aside to share with others - for charity or birthday or holiday gifts. Giving an allowance in small bills or coins also allows them to easily set aside the portions for the different purposes. Consider gifts that encourage saving. Examples include U.S. Savings Bonds and books that reinforce financial responsibility. Encourage older children to get work experience. Summer or part-time jobs can teach young people good business skills and how to be responsible. They also may enjoy earning and saving money.
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.
Government Grants: Government loans, Free government grants, education grants, college grants, personal grants, cash grants. Grants.gov is your source to FIND and APPLY for federal grants. The U.S. Department of Health and Human Services is proud to be the managing partner for Grants.gov, an initiative that is having an unparalleled impact on the grant community. Learn more about Grants.gov and determine if you are eligible for grant opportunities offered on this site. If you’ve ever searched for free government grants in the past, you‘ve either found a bunch of useless information, a free trial” grant kit offer, or even some type of service that promised to get you a grant, when in reality, all they did was take your money. Some companies greedily play with your emotions, suck you into some shady deal, and leave you with practically nothing.
Our Grant Writing Software is a federally registered & Trademarked Software Program that was created to fulfill the needs of both the professional and Private Grant Seekers.
Our Grant Writing Software lists every single program currently funded by the U.S. Government!
Our Grant Writing Software provides a listing of all Federal Government grants and loans. It will also show you the funding amount for the for Current year and last fiscal year.
You can find all of this out in a fraction of a second with Our Grant Software. Our Grant Software is a One of a Kind Software Program. It is a completely stand alone program and needs no other programs to operate. The competition would have you believe that they are providing you with a software program when actually all you receive is a list of "Documents" that need other programs to run. Or they provide a single document that requires an Internet Connection to visit Government Web Pages.
Minority Grants - Millions of dollars are available for African Americans, Hispanics, Asians, and American Indians and as a result, many of these grants and low interest loan programs are available to stimulate small business. As a business owner or future entrepreneur, you may qualify for a variety of grants from public and privat e sources designed to enhance, expand or initiate your business.
Women Grants - For years women have worked and struggled to attain equality! The fight is not over! Women Grants Are There! You need to take the action and force the Government to provide to you what is rightfully yours anyway! Women have the largest opportunity of any group to benefit from the generosity of the Government Grant Programs
Can't get approved for credit cards or loans due to bad credit, nor can you get accepted for a bank checking account? At the right bank you can open an online checking acct. with no chexsystems or credit checked. You see, some banks offer what is called "second chance" accounts for people who have past credit issues. These accounts may be more costly than those for people with fair or better credit, but it's a way to start re-buidling your financial holdings. With a checking accout a whole new financial world opens up to you. Lenders are more eager to loan money to you, you can get a debit card attached to the account to make shopping easier, and you can much more easily track your expenses to see where you waste money most.
Jackson Hewitt Christmas Loan - To most taxpayers who can't wait for a check to arrive from the federal government, refund anticipation loans may seem appealing, until they realize that the fees and high interest rate can drastically affect the amount they were expecting to receive. Taxpayers should first find a way to even out money loan their finances, and then file their taxes so they can get back what is due them. Beginning in the last couple of years, taxpayers no longer had to wait until the end of January when they receive their W-2 forms to apply for refund anticipation loans. WE AT JACKSON HEWITT OFFER HOLIDAY HELP IN NOVEMBER AND DECEMBER THROUGH A PROGRAM WE CALL "HELP LOAN". ALL YOU HAVE TO DO IS BRING IN YOUR MOST RECENT PAYSTUBS, TOTAL AMOUNT OF UNEMPLOYMENT RECEIVED, AND ANY OTHER INCOME YOU RECEIVED OR WILL RECEIVE FOR THE YEAR AND WE SUBMIT A LOAN APPLICATION THROUGH SANTA BARBARA BANK AND TRUST. THE BANK DECIDES IF YOUR INCOME TAX RETURN WILL BE ENOUGH FOR YOU TO RECEIVE SOME OF YOUR REFUND MONIES EARLY!!!!! THIS IS A GREAT PRODUCT!!!! Bank fee do apply, the bank makes the final decision. HERE IS THE GOOD NEWS!!!! THE LOAN GETS PAID OFF WHEN YOU DO YOUR INCOME TAX RETURN! THEY KEEP THE FUNDS DIRECTLY OUT OF YOUR REFUND MONIES! THIS PROGRAM STARTS NOVEMBER 13TH AND ENDS DECEMBER 15TH.
Did you go over-budget this holiday season and now mourn having to payoff Christmas credit card charges? You could liquidate assets (gifts) you received from other people. You can get money back on Christmas gifts by asking the giver for the receipt. You could do this tactfully by saying thank you for the gift and that it gave you an idea for something else, and you need the receipt in order to make the exchange. You don't need to divulge that the exchange is for cash vs a different present. If the gift was of substantial value, after you cashin the item you could set aside a few dollars to purchase an extra thank you gift for the giver to show your sincere appreciation for their understanding.
Professional debt relief company statement - American Financial Solutions:
American Financial Solutions is a non-profit credit counseling and financial
education agency. And we're here to help you get out of debt for good. We
understand what you're going through, and our certified counselors are here to
listen to you and empower you to get your finances under control. When you've
reduced your monthly fees and interest rates, and freed yourself from creditors'
calls, you'll look at life in a whole different way. American Financial
Solutions is dedicated to providing credit and debt counseling and financial
education to consumers to help them make sound financial decisions and find debt
solutions to improve their financial futures. One of the debt solutions
available to our clients is participation in a debt management plan, which
unlike a debt consolidation loan, works with a client's current creditors,
creating a plan of action to repay those debts under the best terms possible.
Debt Management is not the right solution for everyone and working one on one
with a certified credit counselor will help identify the best debt solution for
you. Debt counseling involves meeting, either in person or by phone, with a
certified credit counselor who will review your entire financial situation
including your income, expenses, secured debts and unsecured debts and
developing a plan to help you achieve your financial goals while becoming debt
free. American Financial Solutions (AFS) credit counselors are accredited
through the Association for Financial Counseling and Planning Education and
participate in ongoing education in order to provide consumers with the most
effective methods for managing their debt. One of the most important outcomes of
debt counseling is formulating a plan and a budget and sticking to it. This
involves learning new habits and setting old ones aside. On our website, you
will find a variety of tools to assist you with this. We offer free on line
classes, budget tools and financial calculators. Your counselor will recommend
that you use these tools as part of your plan. The options available through
debt counseling may include, working directly with your creditors and tightening
your budget in order to pay down your debt. AFS offers a Debt Management Plan
where you can consolidate all of your unsecured debt payments into one
convenient monthly payment on a day of your choosing. Creditors generally give
the following benefits to those enrolled on a Debt Management Plan: * lower
interest rates * waived fees * lower monthly payments * stop collection calls.
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.
CareOne Debt Relief ServicesSM lead the industry in helping people get out of debt the smart way. If you're feeling overwhelmed, you're not alone. We've helped over 4.5 million people and we're here to help you.
All About Debt Consolidation Options - What are my choices?
Unlike other providers, we are able to provide you with multiple debt consolidation options to help you become debt-free. You'll be able to consider both a debt management plan and settlement. We'll provide you with a personalized solution based on your situation and you won't need to worry that you are being forced into a solution that doesn't work for you.
What is a Debt Management Plan (DMP)? A DMP offers significant interest and time savings* and provides you with a plan to repay your debts in five years or less. You'll be able to consolidate all of your unsecured monthly payments into one, easy payment. The DMP is not a debt consolidation loan where the equity in your home is used to pay down your debt.
*The savings are based, in part, on the average of a recent sampling of annual interest rates charged by creditors that participate in our plan and an assumption that only minimum monthly payments are made.
What is Debt Settlement? Debt Settlement is a negotiation by a settlement service provider or lawyer with your creditors to pay back a portion of your unsecured debt. You make monthly deposits into a debt settlement account in an amount you can afford. You do not make monthly payments to your creditors. When settlements are reached with creditors, settlement payments are paid from the debt settlement account. Settlement will have a negative impact on your credit.
Choosing a Debt Consolidation Provider - CareOneSM providers are proud to have helped over 4.5 million people tackle their debt. As you choose a provider, be sure to check their reputation, such as their rating with the Better Business Bureau (BBB). Beware of providers that are less than reputable - their high fees and unethical practices can you leave you in a worse financial condition than when you started.
If you are struggling to keep up with your monthly credit card payments, a Debt Management Plan (DMP) with a CareOneSM service provider can help by consolidating all of your unsecured debt into a single monthly payment. We negotiate with your creditors for better repayment terms, such as lower interest rates and waived late fees, which can save you considerably each month.
Our DMP includes comprehensive debt counseling from certified counselors nationwide, superior customer service, and technical expertise. When you successfully complete our plan, you will have fully paid off all of the unsecured debts you started the plan with, and will be armed with the knowledge necessary to manage your finances on your own. Bankruptcy is usually a last resort to debt consolidation that involves a complex legal process created by Congress to provide relief from financial distress when you can no longer pay even a portion of your debts. Once we review your situation and if bankruptcy appears to be appropriate, we will connect you with a national law firm to help walk you through your bankruptcy options.
Debt Consolidation is a widely-used term to describe debt repayment plans* that allow you to get you out of debt as quickly as possible.
There are really two types of debt consolidation plans available in order to provide these benefits - a Debt Management Plan or a Settlement Plan. There are important differences between these plans that you should understand.
So which plan is right for you?
Determining which plan is right for you really depends on your specific situation including the type of debt you have, your income and ability to make consistent payments, and what you agree is affordable.
Within this guide, we'll walk you through your options so that you can understand which path works best for you. We invite you to explore both programs and learn how they work, who they are designed for, and what are the pros and cons of each.
As providers of CareOne Debt Relief Services®, we are committed to delivering realistic solutions that can make financial freedom a reality.
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National Poor Credit Lenders:
Getting bad credit loan approval is rarely easy. With a little research and using the right resources, it's possible to not have your application rejected. Some lenders and credit card issuers will offer secured credit if you have collateral such as a car or home that they can repossess if you fail to make your promised payments, or to approve you for a credit card limited to the amount of your deposit.
Credit Cards: With poor credit, many people can only receive credit cards that have exorbitant annual percentage rates. According to Bank Lady, Orchard Bank and First Premier are two choices that are best for those with bad credit. Both report to the three major credit report companies each month, which will help improve your credit score. Both companies will extend to those with poor credit, and may be able to offer reasonable rates. Orchard Bank also has monthly payment reminders to help you stay on schedule with payments. Credit Karma cites Orchard Bank as "an excellent card for help rebuilding credit scores".
Mortgages: If you want to buy a house but have poor credit, consider applying for a mortgage from Citigroup, Bank of America or Wells Fargo. According to the Forbes list, these three companies are among the top 10 best mortgage lenders to those who have had credit problems. When applying for a mortgage, be sure that you will be able to make the payments to avoid the risk of foreclosure, which will further damage your credit.
Auto Loans: There are many places that will extend a loan for a motor vehicle to those with poor credit. Expect to pay somewhere between 8 percent and 20 percent interest, and be wary of those who charge more. According to Cars Direct, someone with a credit score below 600 will probably get a rate between 15 percent and 20 percent. Shop around for auto loans. Sometimes a large dealer will offer you the best rate, as they work with many lenders. Other times, credit unions where you have a banking relationship may extend a loan with a good rate since it will be secured with the vehicle. Online sources such as Cars Direct may also be an option to consider.