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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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Federal Grants Catalog

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Medicaid

   

   

  

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 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 http://bookstore.gpo.gov.

  

Search for grants for unemployed people.

  


Negotiate Settlements Advice: With the increasing number of people being head over heels in debt, it is easier to find debt settlement programs that may be able to decrease debt from 25 - 50% through negotiating a settlement. This would mean that an account would be closed and a payment plan would be developed to help with debt problems. Some consumers may qualify for a debt settlement loan to make the reduced final payments to unsecured creditors. This is one way to get out of debt fast and make just one monthly payment. That one payment could be a lot less than what had been required each month. It is like getting instant debt elimination.

 

Consumers do not understand the risks associated overdue debts. It is possible for creditors to take legal action and they may win a judgment. When this happens it can be possible for the creditor to garnish part of an income and to seize property. In cases of credit card debt, this action is somewhat limited and it may be too expensive and time consuming for the creditor to pursue the borrower. The higher the balance owed on an account, the higher the chance it could happen.

 

When debts are extremely large and serious, many people feel that there is nothing left for them to do except to file bankruptcy. It may result from the fear of garnishment and seizure of personal property. Yet, before any of that could be done, creditors must go to court. With that fear hanging overhead, many people rush to file bankruptcy. Bankruptcy should be used only when all other alternatives are exhausted.

 

Debt that is written off must be shown on tax returns as income. Usually consumers get from each creditor, in January for the prior year, a 1099 Tax Form. The 1099 form tells how much must be claimed as income on the tax return. This should be the difference between the principal owed minus the settled amount paid. In some cases, it could include some interest as well. This is not bad, considering the debt may have been settled at only 50% of what was owed. Still, Uncle Sam wants about 15% of the write off.

 

When considering to settle a debt yourself, make sure a creditor has not already "charged off" the debt or written it off. If they did, you would have received a notice and the debt is legally dead. It can be good to verify what the statute of limitations in your State before you try to arrange a debt pay off. Collectors have a specific period of time to collect and knowing if the statute of limitations has passed is very important. When a debt is older than the statute of limitations, inform the bill collectors so that they will not try to collect the debt. The original creditor or the assigned collection agency can not collect if the statue of limitations has expired.

 

Debts usually disappear from credit reports after 7 years if it has not been paid. If a debt is cancelled from credit reports after 7 years, you could still be legally sued for the debt if the statute of limitations in your state is not over. Generally, a person could consider being "free" if the debt has been erased from credit reports and the statute of limitations is up on this debt as well. This can mean not worrying about the debt if enough time has passed for both the legal debt collection statutes and the credit report limitations too. In this case, debt is not collectable, it disappears from credit reports, and there's basically nothing else to be done for that particular debt. When debts are not past the statute of limitations, it can be time consuming to try to deal with debt problems. Many times consumers would rather give their debt problems to a Consumer Credit Counseling Services instead of trying to negotiate with creditors themselves.



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.
 

GovGrantsUSA.Org Review - Copyright © 2000-Present Gov Grants USA. Org, All Rights Reserved.

What types of grants are available? Personal Grants, Education Grants, Business Grants, Health Care Grants and Housing Grants. With these types of grants you could purchase a new home, get a college scholarship, start a new business, pay for prescription medicine and use the funds for various other personal and business uses.

USA Government Grants Facts and Benefits: You can apply for as many grants as you want. Many people are not aware of this. For instance, you can get a $20,000 grant to fix your house, a $50,000 grant to start up a business and another grant to help pay your bills! Grants never have to be paid back. 

* No Credit Checks, No Collaterals and No Co-Signers.
* You can apply if you have Bad Credit or Bankruptcy.
* You do not have to repay anything to the Government.

If you are in need, out of work, working part time and income doesn't cover basic expenses, or are ill, all types of grants, loans and in-kind services are provided by the federal government and by private foundations. These funds are available on an emergency basis or long-term basis.

* Home Purchase
* Home Repair
* Mortgage Payments
* Rent
* School Supplies
* Real Estate Taxes
* Utility Bills 
* New Car
* Groceries
* Child Care/Day Care
* Fuel
* Legal Services
* Medical Bills
* Public Transportation
* General Living Expenses
* Housing Assistance
* Consumer Debt
* Lesson Payments
* Tutoring/Teaching
* Clothing ...and much more

Private Grant Foundations: Over 1000 Direct Links to Foundation Grants Websites giving away billions each year. Access these Grants instantly.

A foundation is a non-governmental, non-profit organization which has a fund or endowment that it uses to aid charitable, educational, religious or other agencies serving the public good. It makes grants primarily to other non-profit organizations.

Each foundation has its own specific priorities and interests which determines the types of programs it supports. These preferences, any program restrictions and requirements for applying will be included in the Foundation's guidelines. 



Professional debt relief company statement - Alliance Credit Counseling: There are usually multiple different solutions to any of the various difficulties that one may encounter. Knowing what the options are, the advantages and disadvantages of each, and learning how to implement those actions is paramount to success. Our experienced counselors can help identify and advise about these options. Many variables go into the analysis required to determine the best choices available, including understanding the situation and root causes, knowing the short and long term goals, identifying the resources available, presenting the possible solutions, and developing a plan to implement the chosen course.



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.
 
CreditorsRelief.com Review - Copyright CreditorsRelief.com LLC 2010. All rights reserved.

Debt Relief & Debt Settlement Programs at Creditors Relief

Our goal is to help.
* Reduce all your credit card monthly obligations to one low monthly payment
* No fee until your debt is negotiated. We work strictly on a contingency basis.
* Avoid bankruptcy, a stigma that lasts for years.
* Regain control of your financial life.

How We Work for Debt Settlement and Debt Relief - We work to help you get on a path to financial recovery with proven debt relief methods. We work to lower your debt so you can get back on a solid financial footing. We work without fees until you see results. We work for you not your creditors.

Debt settlement programs are safe and reliable. The new consumer laws that protect you during the process are part of the way we work and we are proud of what we do. We think our credentials speak for themselves. At CreditorsRelief we offer you a debt solution that works.

Your Custom Debt Settlement Program - Each situation is unique and it is for that reason that we tailor-make your debt reduction program. You decide on the payment method that works best for you, and we work with your creditors on your behalf. It's only after a firm negotiation is approved by you and your lender that we are paid for our services.

Your First Step towards debt settlement - At CreditorsRelief, we want you to feel confident in us and in the service we provide, so the best first step you can take is by simply talking to us. Find out if debt settlement is a choice for you, or get a free quote on how fast you can get out of debt.

There's no cost to find out what your options are. In fact, it might cost you a lot more in the long run if you don't find out

Creditors Relief , LLC
180 Sylvan Avenue
Englewood Cliffs, NJ 07632 

1.877.312.6478



Get a Credit Card Late Payment Fee Waived

If you've been a timely paying, long-time member of the card company you had a late payment with, it's possible to have the late payment fee removed. Simply call the card company via the 800 number listed on the back of your credit card, and remind the representative that you're a long time customer in good standing. Even if the representative is adamant that the fee cannot be waived, it's possibly to have the fee offset, such as by getting your interest rate lowered. In some cases your issuer may waive the late fee if you set up an auto pay with your bank to prevent future late pays. If your card company still won't waive the fee, ask to get it lowered. Good cardholders are difficult for issuers to latch onto, so a threat to transfer to a different card company may nudge the negotiations along. Long time steady paying cardholders have an advantage, as there are many other competing card companies who love to have your valuable business.

Getting your first credit card can be scary and nerve-wraking. Review first time credit card applications that help build credit
Ways you can get debt help to handle hospital and doctor medical bills.
Review these free tips which offer debt help for unemployed people.
Compare Programs which Offer Debt Help for People on Benefits, such as Veterans, Seniors and Disabled Persons.
How Financial Advisors can Help You
To find out what the maximum loan amount you can get based upon your ability to repay, our newest loan installment calculator can quickly help you.
Free IRS tax return filing assistance and updates for EITC Earned Income Credit and ObamaCare Affordable Care Act.
Credit card hardship programs for people who need financial assistance with their credit card debt.
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.
Government Home Owner Assistance - Struggling Home Owners Could Benefit from FHA and HAMP Plan
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.
Free Tax Assistance for Seniors and Low Income and Tax Debt Help.
FAQs, tips and advice about Direct Student Loan Consolidation. Read before applying for debt assistance.
How to file disability. You can apply online or call a toll free number to file for government free money and assistance.
With fuel prices high, everyone can use some financial assistance. Gas credit card rewards can offer some relief via cash back.

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