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.
Getting Extra Money for Vacations, Christmas or other Events
Set up a separate savings account for the money you set aside. If you are saving for different purposes and are having difficulty keeping it all straight, consider setting up separate savings accounts for each purpose.
Write a household budget that lists all of your expenses and shows how much money is left after everything is paid. Figure in the amount you want to go into savings based on the available money. If money allocated to other expenses goes unused during the month, deposit it into your savings account to build it up even faster.
Cut back in areas of the budget when possible without completely cutting out things you enjoy. Apply the difference to your savings account. For example, if you cut out $50 by getting rid of your land line phone in favor of your cell phones, deposit an extra $50 to your savings account each month.
Set up a weekly automatic deposit into the savings account that coincides with your paycheck deposit. Automatic transfers mean the money won't hang out in your checking account, tempting you to use it for that cute pair of heels or a new video game.
Sign up for a debit card that rounds up your purchases to the next dollar amount and deposits the difference in your savings account. Since it's a small amount each time, you won't probably notice it, but the change builds up over time. Not all bank cards have this feature, but it's worth asking if your bank offers it.
Save your loose change in a jar or piggy bank, just like you did as a kid. When the jar is filled to the brim with shiny coins, haul it to the bank for deposit. The change-counting machine at the bank takes care of all the work and you get a boost to your savings account.
Sell those old CDs that are collecting dust in the corner. Schedule a garage sale or sell off bits and pieces of your clutter collection on online sales sites. You clear out the clutter, reclaim space in your nest, and get a wad of cash to take to the bank.
Cut back on indulgences and habits that cost money. Sure your daily gourmet latte jolts you awake each morning, but that money could help you build your savings. Quit or cut back on expensive coffee, cigarettes, alcohol or indulging your shoe obsession and put that money in your savings account instead.
Work an extra job temporarily to increase your savings. Make sure you leave openings in your schedule to spend quality time together as a couple.
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.
Are you Searching for a Individual Government Grant, Now See who has received free grant money from the government and how much they got.
Grant Money Tips: Not enough people are informed it, but the US Government hands out many billions of dollars per infinity control the form of discharge grants. It is a common misconception that only burly corporations further companies benefit from these government government handouts, but this isn't true at all.
The truth is, many people, regardless of payoff or status, can apply for, besides get government grant money. sincere doesn't source whether you are rich, poor, or in conclusion grease between, adept is money available from the government for you to use. There is a big asymmetry of programs also funds available to you; you just conceive to qualify and use for them.In fairness, the government isn't great at telling people exactly how to rack up their hands on a government grant. They are not very good at getting the word out about these grants either. This isn't a conspiracy by any point; it's just a ruling of the government in that a burly bureaucracy.
For anyone crave to get government grant money, the foremost thing they should watch out for is the risk of being scammed.Actual application forms in that all government grants are unshackle. Therefore, your alarm bells should ring if component company or individual tells you that you have to bankroll for these application forms.
As mentioned previously, the U.S. government is a bureaucracy. This will become evident when you header to carry off government accede important. Don't expect a particularly quick response, as the process for submitting a grant, having it reviewed, then accepted or rejected onus take some time. While this obligation be frustrating for the applicant, a successful application will break ground it benediction all the time and effort expended. This is another good reason to utilize for as many grants simultaneously, that you qualify owing to. That way, you will opine the best chance of getting some grant money.
Personal government grants are given as free money, they do not even care if your credit record looks poor, you might still get the grant. In fact people who appeal to this sort of financing, are those who do not have credit lines or are deep into debts they can not sort it out. Apart from this, you should know that this kind of help is not repay-able, meaning that it has nothing to do with the conditions of a loan. The most important and main factor is that you need to be American citizen.
The personal government grants of this sort are the financial aids that families with low income are entitled to apply for. Along with them there are the senior citizens as well who can benefit from this government grant. Government will always save money separately for these sorts of purposes, but to get these free money you should comply with the requirements that will decide whether or not you qualify for the personal government grant. When you consider applying for this kind of grant, you should know that these ones are given for the personal needs such as repairing the house, shifting from one place to another base of home, paying as well the utility bills, and the medication bills, these ones being mostly offered to the senior citizens. You should know that the provision of money allocated for this purpose is around 93 billion dollars.
As the name implies personal grants help us finance our personal expenses. This is a very broad grant category where the grant amounts can be very high. These programs were invented to help you pay off expenses related to your everyday needs.
The personal grants category covers many different needs including, but not limited to: senior needs, children needs, women assistance, medical needs, transportation assistance, disability needs, debt assistance needs, and life related needs. It is not uncommon to receive help with paying off mortgages and other bills.
As you can see these personal grants span many different levels of living expenses. These programs work at individual level only, and therefore there are requirements and conditions people must meet in order to apply. For example, senior assistance is given to those citizens who can qualify for a personal grants dedicated to Americans over the age of 65. Every personal grant will have to have a reason for disbursement and you can not just apply because you need money. The good news is that not only applications who are in financial need will receive grants. Very often you do not have to be considered a low income applicant in order to be eligible for personal grants.
Government Grants Pro
244 5th Ave Suite W288
New York, NY 10001
There are many ways to eliminate debt, and without no collateral loan
consolidation. Know Debt Budget Counseling (knowdebt.org) - * Regain Control of
Your Money * Improve Spending Practices * Track Where Your Money Goes * Reduce
Stress, Improve Life. Budgeting, or a Spending Plan, is essential to being
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properly set up and implement a Spending Plan is the first step towards
financial freedom. Learning how, however, is only part of the story, a part
called financial literacy. The execution of the spending plan is called
financial competence. Financial planning is commonly associated with savings,
investing, and estate planning. Personal Financial Literacy: All of your
financial goals will be unreachable unless you first live within your means.
Hence, learning about budgeting, or a “Spending Plan”, how to develop it,
use it, evaluate it, and improve it, are the foundational principles of
financial literacy. It is a critical tool for creating and maintaining your
financial health. Personal Financial Competency: The execution of a viable
Spending Plan is fundamental to success. Planning without execution is just
dreaming. The execution process means followthrough with the plan. After setting
goals and planning, you must track performance, evaluate results, and implement
improvements in your planning, and the process repeats. As it repeats, you
become better at it, eventually becoming habits that will benefit you now, and
the rest of your life, as well as your family. Our experienced, accredited
counselors can help you understand your options and plan for the future in order
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start with our Spending Plan publication, or complete our online Financial
Review and a counselor will examine the information and contact you.
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Debt Settlement is a program that every person has the option of attempting. After all this is America. However this does not mean that the creditor has to except the offer and that’s why it’s important to understand who should and should not use debt settlement as an option when dealing with their unsecured debt. Basically one should have a litigate form of a financial hardship.
Practical Debt Relief specializes in negotiating your debt with IAPDA Certified debt arbitrators employing aggressive tactics to reduce your debt. Our debt negotiation process has been tested and proven over the years by our experienced team of professionals in the field of credit card debt and finance. We’ve established relationships with these creditors and collectors with one simple goal in mind, settling your debt for as low as possible!
Once enrolled in our debt settlement program our Debt Counselor’s work with you and take a detailed budget to help you better understand your financial needs. After your hardship is proven and documented, your debt counselor then helps you decide on a payment plan that is tailored to your budget. With you’re agreed upon program length determined, we then make contact with your creditors to advise them of your decision to become debt free.
You might be asking yourself, “Why aren’t more people using Debt Settlement? And the simple answer is: they are. Thousands of people across the country have turned to Debt Settlement as a means of getting their debt reduced and cleared in as little time as possible. In fact, the number of people turning to this tried and tested method is increasing. One of the main reasons you might not have heard much about it is that people tend to hide their debts from others, thinking of it as something to be ashamed of. However, there is no reason to be ashamed of getting into debt. It’s an unfortunate misstep that happens to more people than you think. However, it’s what you do about your debt that really determines that you’re made of.
Another reason behind people avoiding Debt Settlement as a solution is that most people are inexperienced with debt. Most of the clients we get come to us with huge piles of unsecured credit card debt that they accumulated under their noses to quickly they had no idea what to do. Many people, due to their inexperience, feel the need to pay back their credit card debt one minimum payment at a time. Though that might seem like the honorable thing at first glance, just take a look at how long paying off $20,000 worth of credit card debt would take, not to mention the amount of total interest you’ll have paid by the time it’s all said and done.
Debt Settlement, put simply, is the most effective way of getting your credit card, business, and hospital debts eliminated in the fastest way possible. What you have to remember is that this isn’t our first time doing this dance. We’ve had many people just like you come to us with the same sorts of debt problems and, with the right mix of aggressive debt negotiation tactics and customized credit counseling, our clients are able to step away from our program debt free. Debt can be a lonely thing at times, but you have to remember that you’re not the first person to go through what you’re dealing with.
It’s also important to take a close look at the company that you’re looking to handle your Debt Settlement case. The sad reality is that there are many companies out there looking to rip you off by requiring huge upfront payments or unreasonable fees. To make matters worse, many of these “black hat” companies leave you in a more negative position than you were in when you began. You need to be able to trust the people that are handling your case and helping you manage your money. Without that trust, you are making yourself vulnerable to financial predators looking to make a quick buck on someone new to the debt world and its rules.
The following is a detailed description of not only our step-by-step approach to handling Debt Settlement cases, but also a description of what can and can’t be taken care of via the Debt Settlement route.
Our Proven Step by Step Approach: Debt Settlement
Step 1: Call or E-mail us for a FREE consultation. We will analyze your financial situation and determine whether Debt Settlement is a right fit for you.
Step 2: We work with you to determine the appropriate monthly dollar amount you plan to save towards a negotiated settlement. In most cases, this can be less than your current minimum monthly payments. Scheduled program monthly payments will be saved every month in a special purpose account that you can view anytime online. We cannot access the funds except to pay a debtor or financial institution once a settlement is reached and documented in writing.
Step 3: Once enrolled in Practical Debt Reliefs Debt Settlement program, we immediately exercise your rights under the FDCPA (Federal Debt Collection Practice Act) in an attempt to handle future creditor communication and help deter the harassing creditor phone calls.
Step 4: After enough funds accrue to make reasonable offers to creditors, we begin the negotiating process. We will keep you notified of ongoing negotiations. Please note, depending on state laws and creditor balances it may take several months before we are in a position to make settlement offers to creditors.
Step 5: Once a settlement is negotiated, we initiate payment from your special purpose account. Once the account is settled, we request that your creditors report to the credit bureaus that your accounts be considered “Settled in Full”, “Settled”, or “Paid As Agreed.” This process is repeated with each creditor until you complete our program and achieve financial freedom.
Step 6: Once all unsecured debt has been settled, we discuss your results and a plan of action is taken. If you are interested in credit repair², buying a home, purchasing an automobile, or any other financial service, we will help you find a company that will accommodate your needs.
Debt Negotiation is considered a relatively new process in which a debtor eliminates large portions of unsecured debt by utilizing Practical Debt Relief’s tested and proven debt negotiation platform. Few people actually know about this solution to their debt problems and that this program has been around for a long time now.
About 40 years ago, shortly after the credit card was introduced the credit card companies created a debt settlement program. The original program was intended for any individual who was at one time making on time payments and was now suffering from some form of a legitimate financial hardship.
The reason these companies are interested in making these types of options available is pretty easy to understand. The creditors are aware of your legal rights and even more so their own legal rights. They understand the risk they assume by lending on the unsecured debt and rather recover something then “nothing” at all. If your creditor has the opportunity to agree upon a debt negotiation settlement and collect a portion of every dollar you owe versus holding out and taking the risk of receiving nothing, it becomes an easy choice. They’ll negotiate! Practical Debt Relief understands this, which is why we offer debt negotiation services to clients providing them with the opportunity to pay off their debt instead of relying on less favorable options, such as filing for bankruptcy. We offer several debt consolidation negotiation services such as business debt negotiation and credit card debt negotiation.
Some may think that it’s easy to negotiate with their creditors without the assistance of a debt negotiation company. In fact many consumers try on a daily basis. The problem is that the credit card and collection industry is a billion dollar industry. The creditors have trained professionals with scripts in hand ready to deal with anybody trying to negotiate their own unsecured debts. Having a trained professional to assist you in handling your credit card debt negotiation can make a world of a difference. At Practical Debt Relief we allow you to focus on improving your financial wealth while the professionals handle your debt negotiation settlement with your creditors.
Practical Debt Relief, Inc.
5220 S. University Drive. Suite 107
Davie, Fl 33328
Setting a Fraud Alerts
Equifax works with the other two nationwide credit reporting agencies, Experian and TransUnion, so that when you request an alert through Equifax, your request is automatically sent to the other two agencies. Generally, the alert will be placed on your credit file with all three agencies within 48 hours.
To place a Fraud Alert on your Equifax credit file:
* Online: Place an Initial 90 Day Fraud Alert or Active Duty Alert
* Call: 1-800-525-6285 OR Write to:
Equifax Information Services LLC
P.O. Box 105069
Atlanta, GA 30348-5069
How Identity Thieves Steal Your Informaiton:
* Going through your mail or trash, looking for bank and credit card statements, pre-approved credit offers, and tax information.
* Stealing personal information from your wallet or purse such as identification, credit, or bank cards.
* Completing change-of-address forms to redirect your mail.
* Acquiring personal information you share on unsecured sites on the Internet.
* Buying personal information about you from an inside source -- for example, a store employee that gets your information from a credit application or by "skimming" your credit card information when you make a purchase.
* Getting your personnel records at work.
* By being family members, roommates, or close friends that have access to your personal information.