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Official Government Loan Site - GovLoans.gov

For All U.S. Residents. FREE. Finding the right loan for you is easy at GovLoans.gov

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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Types Of Federal Government Assistance

Catalog Programs are classified into 15 types of assistance

(A) Formula Grants
(172 Programs)

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
(872 Programs)

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
(133 Programs)

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
(37 Programs)

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
(45 Programs)

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.

(F) Guaranteed /Insured Loans
(64 Programs)

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.

(G) Insurance
(12 Programs)

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
(23 Programs)

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
(17 Programs)

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
(93 Programs)

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
(75 Programs)

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
(91 Programs)

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.

(M) Training
(46 Programs)

Programs which provide instructional activities conducted directly by a Federal agency for individuals not employed by the Federal government.

(N) Investigation of Complaints
(38 Programs)

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
(7 Programs)

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.

 

FAQs

 

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 help@cfda.gov 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:

  1. 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

  2. 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 GSAís 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 http://bookstore.gpo.gov.

  

Search 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.



Review Disclaimer: 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.
 

US-Government-Grants.org Review - Copyright US Government Grants

What are the advantages of getting government grants? This may seem like a mad question but here are several facts that you might not know. Overall, grants supply the best encounter for those returning to college simply because they do not require repayment for the funds that they are going to obtain. Here are several facts and numbers on grants, for single moms, or any individual that may be searching at signing up for a grant to totally free them of debt, start a business, or earn their college degree.

One of the very best aspects of obtaining a grant is that they donít think about your monetary record. For those who have had a bankruptcy inside your history, this can make your ability to qualify for a loan like the Stafford loan from school you need to attend. This isnít the case with grants to individuals because this money does not require any form of repayment and thus they donít need to be involved together with your inability to pay off the loan within the future.

Government education grants abound in todayís recessive market. The Obama administration has created a $12 billion package that will help all college students, such as single moms, get college funding for no much less than 2 years. You will find some programs which are especially geared toward grants for ladies but there are federal grants for most all individuals that also wish to return to college.

College loans and grants donít need to be your primary focus. You can get federal and state grants for companies also. Presidential grants for little business are a big market right now. You will find grant writers that are making profits as they are employed to fill out grant paperwork to be submitted to ensure that their clients can receive thousands, if not tens of thousands, of dollars in compensation.

This totally free cash craze doesnít stop within the U.S. There are Canadian state grants which are available for their citizens also. Grants have been around for a long time. It is just that many people think about funding things such as a company or going to college as a decision that requires going into debt. Luckily, this isnít the case so a lot anymore.

One of the things the individuals need to know is that the government grants for individuals are not extended to those people who want funds on behalf of their institutions or organizations. Most of these grants are offered to individuals who want the finds for their own use such as for education or trade. When they submit the application, the individuals must know that they should spend the money on what it was designed for or else they will get harsh penalties from the government.

Before they apply for these government grants for individuals, they need to find out the requirements they have to fulfill. For starters, they are required to be American citizens and must have attained 18 years of age. These are the general requirements for most of these government grants but the specific grants come with specific requirements that they need to meet in order to be eligible for them. It is therefore important that they check out as many grants as possible to find the one that not only suit their needs but also those that they are eligible for.

Grant is money given away by the government to hand out a particular purpose. There is a boundless number of free grant programs that give financial assistance to people in need. Individual grants are available for all kinds of purposes such as pursuing education, purchasing a new house or getting free of debt. The most kind of these grants are handed over to the small business owners who need support in starting a new business.

The TANF program, run by the Department of Human Services, gives grants to assist individuals in need that also have children. It allows families to care for their children in the home, prepare individuals to get meaningful employment and provides services to prevent divorce of parents by encouraging a two-parent household. To be eligible for TANF, a candidate must be at least 19-years-old, pregnant or have a child, and meet income and service requirements. Individuals concerned in the program can apply for TANF through their local DHS office.

The government has an abundance of money which they should freely share with us normal people. We could all use a bit additional cash to assist with our daily lives. Thereís a way to dig into the governmentís pocket and take back the money they take from us everyday. Through government grants and government loans, we can receive money to help with our particular scenarios. Grants and loans are completely various for those individuals who did not know. A grant is money you receive and donít need to pay back while a loan is cash you get but have to pay back in steady increments over a certain period of time.

There are thousand of government grants we can all apply for. It does not mean that we can all get a grant but if you do qualify, youíve a much better chance the next person. You canít do something using the money you get from a grant either; you need to follow the guidelines set forth by the grant to keep the cash. Regardless, it is free cash that you simply obtain and it ought to help you out.


Debt

 

Searching online for debt relief, may yield results for many links to websites that may say there are Federal grants available to pay debts. Some of the sites may ask for money in order to get the secrets or information for debt money. Many consumers have made the mistake of giving money and got disappointed that the government is not going to just send them a check in order for them to payoff their credit cards

 

The idea that there are grants to get money to pay bills is appealing to many consumers, so appealing that they are willing to pay money. There are some examples of government help, for example, recent mortgage problems that millions of people have experienced, and being at risk of loosing their homes. The government assisted and provided some means, so people who qualified could try to keep their homes through a loan modification program. They did not step in and pay the mortgage, but provided a way that homeowners could try to keep their home by working out a better payment plan.

 

There are debt relief services that offer some effective and affordable solutions to consumers, in an effort to help them get debts under control, and there are usually some fees for this service. When people are not successful at reducing debts, debt relief services may be very helpful. When faced with high monthly payments that have high interest rates or accumulated late fees, some of these debt companies have helped people get rates reduced and late fees dropped.

 

One reason debt services are able to do this, is because they work with companies every day and negotiate between borrowers and creditors for something that will benefit both parties. After all, when borrowers file bankruptcy, a creditor may end up not getting paid at all. Many debt settlement companies are good at negotiating and can sometimes get creditors to settle for a much lower payoff than what is actually owed. Many of these companies require a specific amount of unsecured debt from applicants, it could require a minimum of around $10,000 or more in debt.




Review Disclaimer: 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.
 

ACCS.org/ Review

American Credit Counseling Service (ACCS) was founded on March 1, 1988, with a mission to help consumers, by providing financial education to those in need. In June, 1989, in response to requests from the United Way, ACCS began providing no-fee one on one credit counseling to United Way clients, in addition to seminars. ACCS was incorporated as a ďnot for profitĒ corporation, American Credit Counseling Service, Inc., in March, 1992, and received its tax exempt IRS 501 c (3) status in August, 1994. We continue to provide quality Financial Education to the consumer, and we still conduct seminars and workshops to the public, free of charge. We maintain a policy of lowering or waiving our fees for consumers, the majority of which are low income. We staff our nationwide toll-free telephone numbers for consumers that seek free credit and financial advice. We at ACCS feel that we provide services that are essential to all the communities that we touch.

Personal Budget Assistance - A budget is the basic tool needed for all financial decisions. Learn how to develop yours today. Need more assistance, give ACCS a call.

Credit Card Troubles - ACCS is there to assist you with credit and money problems. Help is a click away.

Financial Education - Education is the key to being a well informed consumer. ACCS has lots of resources on all aspects of your finances.

Credit Report Information - Have you checked your credit lately? It is important to review your credit reports. If its been a while, check them today. If you have questions, our counselors are ready to assist you.

Questions To Ask a Credit Counseling Agency:
* What services do you offer?
* Do you offer a free consultation?
* Will you help me develop a budget and a plan for avoiding problems in the future?
* How much and what type of fees do you have?
* What if I canít afford to pay your fees?
* What qualifications do your Counselors have?
* Are the Counselors certified by an outside organization?
* What training do the counselors receive?
* What do you do to keep information about me (including my address, phone number, and financial information) confidential and secure?
* How are your Counselors paid?
* Are Counselors paid more if I sign up for certain services?
* Are Counselors paid more if I pay a fee, or if I make a contribution to your organization?




What To Do After Your Credit Card is Lost, Stolen, or Being Used for Unauthorized Purchases

Whether your credit card or simply the number has been stolen or lost, in addition to worrying about unauthorized fraudulent purchases, there's more to be concerned about. 

A theif can use your personal information to compromise other accounts or to set up new accounts under your name.

Review all statements and banking information in detail, and contact the appropriate agencies as soon as you think there might be a problem.

If you think you may be a victim of identity theft, it's imperative you take action right away. According to the latest report from the Federal Trade Commission, identity theft accounted for 18 percent of consumer complaints in 2012 alone, and about 85 percent of identity theft incidents involved fraudulent use of credit card information. 

Here are six things you must do after hackers steal your credit card information:

1. Call the credit card company. Whether you suspect suspicious activity on your account or you have misplaced a credit card, make sure to contact your credit card issuer directly to report the situation. Most companies will work with you to track down the fraudulent activity and monitor your account. Reporting unauthorized charges sooner than later will also put you in a better position to have those charges refunded. Review your credit card company's policies for more information about unauthorized activity and your rights as a cardholder.

2. Contact the credit bureaus. If your stolen credit card information has been shared before you realized there was a problem, your credit score may already be in trouble. When you suspect that you have been a victim of identity theft, call one of the credit reporting companies - Equifax, Experian or TransUnion - to report the situation so it can put an alert on your account. This process might make it easier for investigators to track down the guilty party.

3. File a report with the Federal Trade Commission. You can submit a report about the situation directly with the FTC by completing an Identity Theft Affidavit. First, you will need to file a police report. Then, submit the police report along with the Identity Theft Affidavit to the FTC's Complaint Assistant. After completing the report, you will be given a complaint reference number that you can use to update information at any time. 

4. Change account information on shopping websites. When your credit card information has been compromised, you need to do everything possible to control where your credit card number is currently shared. If your credit card is linked to any online retail stores or bill pay sites, go through each account and remove linked information as soon as possible so that any future purchases can only be made by manually entering credit card information. 

5. Try a credit monitoring service. Signing up for a credit monitoring service may give you some peace of mind in the wake of a compromised account. Credit monitoring services track your credit reports and inform you of any suspicious activity immediately. Just do some research first to make sure you are working with a company that has a solid reputation.

6. Talk to your bank. Even if your credit cards are not directly linked to a bank account, it may be a good idea to inform your bank that you have been a victim of identity theft. Your financial institutions may be more vigilant about monitoring your accounts and reporting any suspicious activity.

Getting your first credit card can be scary and nerve-wraking. Review first time credit card applications that help build credit
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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.
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The threat that you may become a victim of identity theft is ever-growing as Americans struggle to make ends meet, and as criminals seek ways to acquire money. When crooks cannot steal new cars, TVs, jewelry and other valuables because people are broke, they set their sights on their credit. Free tips for ID theft protection, how to report ID theft and how to get assistance to recover.
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