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Online applications for 100% free government grants for disabled people with no credit card required

   

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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.

  

Government Disability Programs & News from Disability.gov

   

Private & Government Grants

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Private and Miscellaneous Grantors

Private grant foundations

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Grantors for the disabled

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Grantors for Veterans

SBA grants to start a business

      

  

Alexander Graham Bell Association for the Deaf
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.

Billy Barty Foundation
Sponsors a scholarship fund to help promising college students who have a medical form of dwarfism. Provides $2,000 scholarships.

Children with Disabilities Grants and Funding Page
An online guide for parents and children. Provides links to information on funding opportunities from the Federal agencies and offices represented on the Coordinating Council on Juvenile Justice and Delinquency Prevention. It also presents suggestions for identifying funding opportunities from other Federal agencies and the private sector.

Creating Options: A Resource on Financial Aid for Students with Disabilities (2001)
The latest edition of this popular resource paper features up-to-date information about federal financial aid programs, describes the relationship between state vocational rehabilitation agencies and the financial aid process, and lists organizations that offer disability-related grants and scholarships for postsecondary education. The paper suggests other sources of financial assistance for individuals with disabilities and recommends web sites where students will find additional financial aid information. Also included is a precollege financial aid checklist to help students plan and manage a funding search.

Disability Resources Monthly Guide to Disability Resources on the Internet
Includes links to financial aid and grants resources.

Ethel Louise Armstrong Foundation (ELA)
Supports professional organizations that work with people with disabilities through grants and scholarships that further their goals of education, advocacy, leadership development, mentorship and the arts. The Foundation especially seeks to support the work of organizations that are led by or support the work of women and girls with disabilities. The next deadline for applications is November 1 and grants are small, ranging from $1,000 to $5,000. For more information contact Ms. Deborah Lewis, 626-398-8840, email: executive director@ela.org.
In addition the Foundation is committed to expanding opportunities for female graduate students with disabilities and developing future leadership in the disability community. The foundation will award one or two scholarships of up to $2,000 each per academic year to supplement financial assistance received by a female graduate student(s). Visit the ELA Web site for complete eligibility information and application guidelines and forms.

Financial Resources for Individuals Interested In International Exchange Opportunities
Courtesy of Mobility International USA National Clearinghouse on Disability and Exchange.

Foundation Center RFP Bulletin: Disabled
The RFP (Request for Proposals) Bulletin is published weekly by the Foundation Center. Each RFP listing provides a brief overview of a current funding opportunity offered by a foundation or other grant making organization. Interested applicants should read the full RFP at the grant maker's Web site or contact the grant maker directly for complete program guidelines and eligibility requirements before submitting a proposal to that grant maker.

Foundation for Exceptional Children Grant and Scholarship Programs
The Foundation for Exceptional Children (http://www.cec.sped.org/fd/back.htm) is a national organization committed to improving the lives of children and youth with disabilities. Currently, the foundation is accepting applications for Scholarship Awards and Minigrant Awards. In the former category (deadline: February 1, 2001), FEC offers Stanley E. Jackson Scholarship Awards and the Infinitec Scholarship Award for full-time, post-secondary education or training during 2001-2002. Post-secondary education or training includes two- and four-year under-graduate college programs or vocational, technical, or fine arts training. Applicants must be anticipating enrollment for the first time in full-time, post-secondary education or training during 2001-2002 and also must provide evidence of financial need. Different recipients will be selected in each award category, and no recipient will receive more than one award. The FEC minigrants (deadline: March 1, 2001) program provides funds to schools, community groups, and other centers of learning for innovative educational programs. Between 20 and 30 grants are awarded annually. Minigrant awards of up to $500 will be made for innovative education-related projects that directly benefit gifted children or youth and/or children and youth with disabilities. For more information, contact: Foundation for Exceptional Children, 1920 Association Drive, Reston, Virginia 20191; Tel: (703) 264-3507. Source: Foundation Cener RFP Bulletin, December 15, 2000.

Foundations and Corporate Grant Programs Related to Disability
A collection of foundations and corporate grant programs that may be of interest to many NIDRR grantees AND have Internet sites. Sponsored by the National Center for the Dissemination of Disability Research (NIDRR).

Guide Dog Foundation for the Blind, Inc
This charity provides trained guide dogs to the blind at absolutely no charge. They also include training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Guide Dog Foundation for the Blind, Inc, 371 East Jericho Tpke., Smithtown, NJ 11787; Telephone: 800-548-4337; 631-265-2121.

HEATH Resource Center
George Washington University has received a grant from the U.S. Department of Education's Office of Special Education and Rehabilitative Services to operate the National Clearinghouse on Postsecondary Education for Individuals with Disabilities, known as the HEATH Resource Center. The web page contains information about funding opportunities along with many other resources.

Mitsubishi Electric America Foundation
The Mitsubishi Electric America Foundation gives national "Starfish Grants" to benefit young people with disabilities throughout the country.

National Federation of the Blind Scholarship Program
Each year at its National Convention in July, the National Federation of the Blind gives a broad array of scholarships to recognize achievement by blind scholars. All applicants for these scholarships must be (1) legally blind and (2) pursuing or planning to pursue a full-time post-secondary course of study. In addition to these restrictions, some scholarships have been further restricted by the donor.

NEC Foundation of America
Makes cash grants to nonprofit organizations and programs with national reach and impact in one or both of the following arenas: science and technology education, principally at the secondary level, and/or the application of technology to assist people with disabilities.

Pilot Dogs, Inc.
This charity gives its trained animals to the blind at absolutely no charge. They also include four weeks of training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Pilot Dogs, Inc., 625 West Town Street, Columbus, OH 43215; Contact - Telephone: 614-221-6367; Fax: 614-221-1577

Rehabilitation Engineering and Assistive Technology Society of North America
Need money to buy a van, a talking computer, or rubber door know grips? People with disabilities now have a place to turn to learn everything they need to know about how the latest in technology can improve their lives. It can be a specially equipped van, a talking computer, a special kitchen or eating aid, or adaptive toys for children. Or it may be a student with learning disabilities who needs special help getting through school. A project funded by the U.S. Department of Education, called Technical Assistance Project has established an office in each state that can provide: Information Services: will help you identify the special products that are available to help you cope with your disability. Equipment Loan Program: allows people to borrow new technology devices for a number of weeks before they purchase them. Recycling Program: matches up people with needs for products with people who want to sell or donate products. Funding Information: collects information on the various sources of funding for this equipment from public and private sources. Loans: many states are offering special loans to help people purchase the necessary equipment; Ohio offers low interest loans up to $10,000, California has loans up to $20,000, North Carolina up to $15,000.
Contact your state Office of Social Services or Vocational Rehabilitation (In Michigan the Family Independence Agency). If you have trouble locating your state office, you can contact the office that coordinates all state activities: Rehabilitation Engineering and Assertive Technology Society of North America, (RESNA), 1700 North Moore Street, #1540, Arlington, VA 22209; Telephone: 703-524-6686; Fax: 703-524-6630; TTY: 703-524-6639

Shaklee Teacher Award
The Shaklee Teacher Award is designed to recognize up to ten of America's most outstanding teachers of children with disabilities. Selection of teachers will be based on specific student outcomes and related contributions they have accomplished in their roles as teachers of children with disabilities. The standards reflected in this award exemplify the attributes of outstanding educators as determined by the Shaklee Institute Senior Scholars. Benefits of the 2001 Shaklee Teacher Award include a $1,000 cash award, a specially-designed pewter sculpture, and a four-day summer session learning experience. The application process requires the outstanding teacher to describe numerous aspects of their competence as an educator and their overall involvement within the field. The award is limited to professionals involved in direct teaching programs for children with disabilities. Applications are available online. (There is a $25 application fee.) For more information, contact: Shaklee Institute for Improving Special Education, 8700 East 29th Street North, Wichita, Kansas 67226; Tel: (316) 634-8735 or (800) 835-1043; Email: ksoule@heartspring.org. Source: Foundation Center RFP Bulletin, Dec. 22, 2000.

Summer Precollege Programs for Students with Disabilities - 2001 Edition
This resource web page describes campus-based postsecondary orientation programs for students with various types of disability. The new edition describes 17 programs located in nine states throughout the country, and provides details about program features, curricula, tuition and contact information. (Other colleges not listed here may also have summer precollege programs, but may limit admission to those students who have been admitted to that college. Therefore, interested students should also consult the college to which they have been admitted.)

 

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

Search for free grants for disabled people. Review all our articles related to disability.

 

  



Christmas Loans: Because Christmas is a special time, presents and celebrations can be costly and you may not have enough money. Christmas loans can help solve money problems. There may be offers with reduced rates, flexible repayments, or grace periods. These loans are usually personal, unsecured loans and can be used for anything - money for a down payment on a used auto, presents, or paying bills. What you get can depend on your credit and how much you can repay. Many times, even bankruptcy is not a problem for getting approved.

Special loan offers may be one right solution for obtaining Christmas money. There are many lenders who do not have the hard-to-meet-requirements for approval. Find an ideal Christmas loan solution, regardless of credit. Interest rates can be tiered according to the lender's risk. Get a couple of loan quotes; after all banks and credit unions must compete for your business to offer an interest rate lower than competitors..




A Bank Christmas Saving Account or a Retail Christmas Club Account?

There are many choices for opening a Christmas Savings Club - like through a bank, a retail store, or a credit union. Be sure to 
shop around and consider all the details for each, in order to determine which method will work for you. There are different interest rates,
penalties, or even deposits required.

- A retail store Christmas club will only allow you to spend the money saved with their store chains. There may be a 
penalty for early withdrawal, but they may or may not pay a low interest on the savings.

- A bank savings account, which is a traditional way of saving for Christmas usually does not pay interest and they may charge a
fee for early withdrawal. The bank can deduct an amount that you decide, from your account or paycheck throughout the year. 
Around Thanksgiving you can begin withdrawing out some or all of your money for your holiday shopping.

- A credit union may offer Christmas savings accounts. Check out the details, some have a 15%,*Annual Percentage Yield.


Before opening an account, review last year's holiday expenses to help determine how much to set aside each week or month. 
Be sure not to figure too high and risk over drawing your account. Setting up an account can mean the difference between
being prepare vs not being prepared. Not prepared can mean causing a hardship on the family due to over spending at Christmas.
One great thing is that auto deductions help make things easier.

Make a budget, use our free budget calculator to figure expenses and see what you can save. Whether you use an institution's 
savings account or your regular savings account, the sooner you start, the better off you will be at the end of the year.



Finding Lenders and Credit Card Companies to give You Loans and Lines of Credit:


Shopping for credit can result in serious dings to your credit score each time a hard credit report is pulled. So what do you apply for loans and cards when you already have a marginal or low credit score?

Instead of applying blinding and madly for multiple credit card offers, auto or personal loans, consider using a free matching service. Many lenders and issuers engage in these matching services, as they would rather receive qualifying applicants.

How it works: Loan providers and card issuers provide minimum credit requirements, which matching services use to pre-screen and thus pre-approve customers for certain loans and credit cards. Of course, they accomplish this through a "soft-pull" by asking the applicant a series of questions. Based upon each applicant's answers, a professional matching service can whittle down to lenders and issuers more right for your particular credit history.

Not only does this method limit unnecessary hard credit pulls, it can also be a huge time saver, as well as help to protect your identity by limiting the amount of creditors you submit your personal information to.



Money for Christmas
It's not uncommon for consumers to be short of money to buy Christmas presents. Besides the traditional financial resources, there are other avenues to get help. Free Christmas Money and Loan Options for Gifts
Christmas Loan Money
Need money to buy Christmas presents? Here are ways to get free Christmas gifts for kids, as well as options for a line of credit or for a cash loan.

Before we discuss a line of credit or a cash loan to buy Christmas presents or for other emergency needs, let's look at alternatives for parents with small children:

The resources below offer free Christmas presents for children of needy families:

Salvation Army
Local Churches
Military Bases
Some Retailers
Family, Friends and Neighbors

In regards to military bases, most have a Toys for Tots type campaign. Contact your nearest military installation for information.

Don't let your pride get the better of you. If you have small children, swallow your pride and put your children first. Ask for help, even from friends, family and neighbors.

If you would rather obtain a line of credit or a loan, but have bad credit, here are some options to consider, starting with our highest recommendation:

Refinance an Auto - If you have an auto that is paid off, you have a good chance of getting approved for a loan by using your auto as collateral. We recommend a traditional loan, versus an "Auto Title Loan", because a traditional loan generally offers the best interest rate.

Refinance an Auto Loan - this is another good alternative, because in addition to an equity cash loan, you may also be able to lower your current loan's interest rate and/or monthly payment.

Get a quick loan for Christmas - an unsecured personal loan for bad credit may have a higher interest rate, but offers easy approval with no credit check.

Get a Guaranteed Approval Card - Shopping Cards offer you a line of credit, but limits where you may use the card. Typically, it offers online or catalog orders for merchandise from a select group of vendors.

If you decide to obtain a line of credit or a loan, use the links on the right side of this page to select and apply online.




Online Checking and Savings Accounts



Captial One 360 Savings: The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.

To fund the account, you'll need to link it to an existing checking account at your brick and mortar bank. When you open the account, you'll submit a check for initial funding, and Capital One will pull your banking information off of that check (your bank information is located at the bottom of your check). Once the link is established, you can transfer money back and forth between Capital One 360 and your brick-and-mortar bank electronically. However, be aware that you can only make 6 withdrawals per month from the account (the same is true for other savings accounts) if you want to withdraw more often, consider using a checking account.

Capital One 360 Checking

* Ability to write checks (checks must be ordered from Capital One)
* Free ATM/debit card provided
* Free online bill pay
* Remote check deposit using a mobile device or scanner
* An overdraft line of credit (which you should try to avoid using, but is less expensive than other forms of overdraft protection)
* Free Person2Person Payments so you can pay friends and other individuals 

Savings Accounts for Children - Capital One 360 also offers a savings account for children called the Kids Savings Account. With no fees or minimums, that account allows you and a child to save money in that child's name. You (the adult) don't have to be a parent you can manage an account for any child. The child will have unique login credentials, so they can see their own account, but not your accounts. Adults have control over deposits and withdrawals until the child turns 18 and the account is converted to a standard 360 Savings Account. The Kids Savings Account is a great way to teach children about money from a young age.



HSBC Online Savings Account is like a lot of other online savings accounts. The main attraction is the APY (Annual Percentage Yield). You can typically earn more than brick-and-mortar banks. Furthermore, there are no fees for the service or minimum balance requirements. You can literally open an account with $1.

With HSBC, you keep your existing checking account and link it to your HSBC OnlineSavings account. To move money back and forth, you login to your HSBC account and request a transfer (transfers are free on the HSBC side, however you should check with your bank to make sure they won't assess a charge).

The HSBC OnlineSavings Account gets you a decent rate, and they also send you an ATM card. This makes it easy to get cash fast, and you can keep your daily spending money in the account not in a lower yielding checking account.

If you want to write checks with HSBC, you can link the account to a more traditional HSBC account. This will make transfers to your checking account faster than moving the money to a different institution. Even better use an HSBC checking account and zap the money back and forth quickly.

There may be fees for checking accounts, however HSBC will consider all of your balances (Mortgage, Credit Card, etc) together when they calculate how much you have with them. This makes it easy to have an interest-earning checking account with no monthly fees.

The Process

Opening an account is really fast and easy. You just fill in all your personal information and wait for HSBC to make some test deposits to your linked account. The process moves fast, and your initial deposit can end up earning the HSBC OnlineSavings Account interest rate within a week.

Service

I've found that the customer service at HSBC is pretty good. Of course this is unscientific and your results may vary. So far, I haven't encountered any long hold-times and the representatives have been knowledgeable and helpful.

Your HSBC OnlineSavings Account Review

Have you used the HSBC OnlineSavings Account? Well, what do you think about it? Share your experiences at the bank review page. 



Ally Bank offers savings, CDs, and checking products with competitive rates. Read and submit Ally Bank reviews on this page.

The main attraction at Ally Bank is the APY they pay on deposit products:

* Checking accounts
* Savings accounts
* Money market accounts
* Certificates of Deposit (CD)

Ally Bank will check your credit, even though you may not intend to borrow. They want to verify your identity and try to predict if you'll use your overdraft provisions responsibly.

Interest Checking

Ally Bank offers an interest checking account that allows you to earn money while keeping it liquid. The interest checking account does not have a limit on withdrawals from the account (but other accounts do).

Free checks from Ally Bank, and you can reorder basic checks at no cost. There is no minimum deposit, and no monthly fee. Online bill pay is free, and you'll get a debit card for ATM withdrawals and purchases.


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