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Online applications for 100% free government grant assistance and loan programs.

    

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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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Private & Government Grants

Unclaimed Assets & Gov Programs

Assistance Types

Federal Grants Catalog

Govt. Grant Application

Other Grant Foundations

Federal Student Assistance

Govt Food Assistance

Bank Unclaimed Money

Unclaimed Money Search

Federal Unclaimed Money

Unclaimed Pension Search

HUD Refunds

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. Review all government assistance articles.

  



Getting Pay Checks by Debit Card

For workers with no bank account and who don't want to cash payroll checks, an option is to have pay deposited onto a debit card.

Of course this means they must pay fees either to have the money deposited or withdrawn. For many low income hourly workers, paper checks and direct deposit have been replaced by prepaid cards. Taco Bell, Walgreen and Wal-Mart are among the dozens of well-known companies that offer prepaid cards to their employees. According to the research firm Aite Group, $34 billion was loaded onto 4.6 million active payroll cards in one year.

On payday, employees can use these cards which function like debit cards to withdraw their pay at an ATM. Unfortunately, this typically means that they are limited in the amount that they are able to withdraw and they must pay a fee to access their money. Some employers and card issuers are claiming that the fees on the cards are usually lower than those associated with check-cashing services or perhaps even some bank checking account fees, often the only other option for people who do not have bank accounts.

The fees charged to use these debit cards can quickly add up. Providers charge up to $3.50 to make a withdrawal from most A.T.M.'s. There are other fees associated with using the cards as well. One provider charges 2.95 for a paper statement and $6 to replace a card. Some providers even charge $7 inactivity fees for users not using their cards.

These fees can take a big bite out of paychecks. It is not uncommon for a worker to spend $40 to $50 a month on fees associated with these payroll cards. According to interviews with consumer lawyers, employees, and state and federal regulators, some employees end up making less than the minimum wage once the charges for the card and withdrawing their money are taken into account.

Many employees say they have no choice but to use the cards. At companies where the employee has a choice, employees are often automatically enrolled in the payroll card programs and have to fill out a pile of paperwork if they want to opt out. Deyanira Del Rio, an associate director of the Neighborhood Economic Development Advocacy Project, said, "We hear virtually every week from employees who never knew there were other options, and employers certainly don't disabuse workers of that idea."






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.

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