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Official Government Grant Site - Grants.gov

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.

Once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

   

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Government Grant and Loan Facts:

Don't be scammed by ads; whether on radio, tv, or online, about free money from the government. The federal government does offer grants and loans, but the information you pay for may be misleading. Here are the facts:

 

The differences between grants and loans. Loans are obligations which must be repaid, and often with interest. A grant; however, does not require repayment, but there are extremely few grants available for individuals. Most grants are awarded to universities, researchers, cities, states, counties, and non-profit organizations. Loans are generally the best bet for individuals.

 

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.

 

While individual grants such as Pell Grants for education are indeed available for personal education use, typically government grants are awarded to foundations and organizations, which then serve individuals.

 

But that doesn't mean that there will never be a broader range of free grants for individuals. As of the date of this article; however, there are not; for example, free grants for personal debt. To stay current with grant opportunities, individuals should frequently check for new programs.

 

In addition to government websites, there are also private foundations and website links that can assist in grant searches, in addition to submitting grant application proposals.

 

Meanwhile, if there is not yet available; or if you do not qualify, for a free grant you never have to pay back, there are still other options including state assistance programs. The best tip is to keep all your mind open to other solutions. Instead of focusing only on; for example, a free grant to pay bills, also look for assistance to help you meet other expenses (such as food or housing assistance), which would free-up money to pay debts.

  

Turn over every stone, be watchful of scams and; if you find a program which you may qualify for, consider having an experienced, professional company submit your application. For example, a lawyer that specializes in SSI disability may increase your chances of getting supplemental security income approval.

 

 

Tips:

Don't try to call the United States Department of Grants. There isn't one. Federal agencies may have different rules for who is eligible for grants and loans and how to apply.

 

To get an idea of all the federal grants available, browse the online Catalog of Federal Domestic Assistance. These listings are updated annually.

 

Be aware that grants require you to submit a proposal to the federal agency describing what you plan to do with the money. Even after submitting a proposal, it may be quite some time before the agency either approves or denies your request.

 

Grants also require you to fill out forms, generally on a quarterly basis, that tell how much money you have spent and what you have spent it on, as well as how you are progressing on the work you promised to do.

 

A better approach for most consumers is to visit GovBenefits.gov. You check off which categories you fit into (for example, veteran) and then answer a series of questions. GovBenefits will identify loans and sources of financial assistance for which you may be eligible and tell you how and where to apply. You may be surprised what you are eligible for- there are forms of assistance available for a variety of personal situations including disaster victims, farmers, or people with teaching experience.

 

Grant to go to college? Facts:

You can fill out an application for Federal Student Aid by visiting the Department of Education's website. You may be asked to provide information about your income and your family's income to determine your eligibility. Save report cards and transcripts in case you need to report your grades. Have a good idea of what schools you plan to apply to and what you want to study.

 

Visit GovLoans.gov to learn more about well-known programs such as Pell Grants, Work-Study, and Perkins and Stafford Loans.

 

The Department of Veterans Affairs website can tell you more about the "GI Bill" and other programs for veterans and their survivors and dependents.

 

GovLoans.gov also has information about Parent Loans for Undergraduate Students (PLUS). Eligible parents can borrow to pay the educational expenses of dependent undergraduate children who are enrolled in school at least part-time.

 

Beware of "scholarship scams." For example, be wary when you hear that your bank account number is needed to "hold" the scholarship. Be sure the scholarship is legitimate before giving out any personal information.

 

 

Grant to buy a home? Facts:

The Department of Housing and Urban Development (HUD) helps individuals by giving grants to non-profits and local governments, however HUD does not offer assistance directly to consumers. Visit or call the HUD office in your state to find out more.

 

Here are some HUD loans and other options to explore:

 

HUD's Federal Housing Administration (FHA) insures loans, allowing you to purchase a home for as little as 3% down. Anyone can apply, but there is a limit on the loan amount they will insure-this varies according to geographic area. You can also wrap the closing costs into your mortgage.

 

A foreclosed or "HUD Home" may have a lower asking price. Most HUD Homes are affordable for low to moderate income families.

 

Through the Department of Veterans Affairs, veterans and their families may be eligible for loans to buy a home.

 

The United States Department of Agriculture's Rural Housing Service insures loans for the purchase of homes in rural communities.

 

Fannie Mae has a website that can help you find a low cost mortgage and a lender that are right for you.

 

 

Grant to pay rent? Facts:

Visit HUD's website to learn about programs to assist you in renting a house or apartment. You can locate low-income housing, or apply for a Section 8 voucher that you can use to pay some or all of your rent.

 

The Rural Housing Service makes financing available to elderly, disabled, or low-income apartment residents in rural areas to ensure they are able to make rent payments.

 

 

Grant to start a business? Facts:

There are no grants for starting or expanding a business, but the Small Business Administration (SBA) has loans to help you start a business. You can also get all the forms you need online.

 

You can also visit a SBA Small Business Development Center for help with starting, financing, or expanding your business.

 

 

Government grant, unclaimed money and unclaimed property

As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills but you must pay a processing or membership fee to obtain the information, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.

 

According to the FTC, some scam artists market "free grants" in classified ads and on the internet, as in the example ad below:

 

Example of Grant Scam Advertisement - courtesy of FTC

FREE GRANTS Never Repay — acceptance guaranteed. Government and private sources $500 - $5,000. Education, home repairs, home purchase, business, non-profits. Phone live operators 9am-9pm. Monday-Saturday 1-800-###-####, ext. [###]

  

When you call their toll free phone number, here's an example of what happens:

 

A company representative asks non-threatening, simple questions to supposedly determine if you qualify to receive a grant. The representative then acts as if he/she is checking your eligibility, and then congratulates you as being eligible. But for you to get the grant information from them, they will charge you a processing fee. Although they will promise you that the grant is guaranteed or you can get your money back, the truth is far different.

 

They will tell you that the processing fee is for finding a grant source and sending you the appropriate application package in the mail. But you won't receive an application or a source. Instead they send you a list of agencies and foundations which you must write and request an application. In order to get your refund, you must apply to; and be rejected by, all these agencies within 90 days.

 

Most grantors don't award grants to individuals for personal needs. Generally grants are to serve mankind and communities as a whole, such as job expansion, training under-employed youth, preserving history, funding charities, art museums, or for researching medical issues. So, even if you're in a financial hardship, or you may be an unwed mother, a single parent, a minority, etc, you're not likely to get approved for a personal use grant. And you may as well forget about getting a refund from the grant "broker" because the conditions for a refund are nearly impossible, requiring you to apply at every grantor on the list they provided to you and be denied by each resource within 90 days. If even one resource doesn't reject you within the first 90 days, you won't get your refund, nor will you get it back if the rejections are past the 90 day requirement.

 

If you're thinking about applying for a grant, remember that the applications are available to you for free and that anyone who guarantees you a grant is likely to be interested in their own financial gain, not yours. If you think you may have been a victim of a grant scam, file a complaint with the FTC by visiting www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

 

Don't fall for grant scams. Use the free resources available to you at public libraries, on the internet, and at Credit Federal

 

With our resources, you can research and apply, 100% free for Government Grants with no fees. Plus you'll have unlimited access to Unclaimed Money which you can immediately claim with no credit card required.  Our links also include Educational Grants, and Grants for Disabled people, and even Veteran Grants. Search now for government assistance as well as individual grant foundations.

 

Search for government bailout grants and other government debt relief grants. If you're an individual, check for government grants to pay bills.

 

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.

 

 

NOTICE: This site provides Government Grant and Unclaimed Property links as a free public service and is not a grantor.  These government resources enable you to search and apply for grants and unclaimed property with absolutely no fees, no hidden charges, and no credit card required. For Gov Grant, Unclaimed Property or Private Grant Foundation questions or applications, contact the appropriate authority. Read our article, or select specific areas: Grant to go to college, Grant to buy a home, Grant to pay rent, and Grant to start a business.

  

 

Don't be a victim. Read our latest news about scams and fraud, and join our newsletter to receive alerts.


ATM user rights: If you believe there's an accounting error involving an ATM transaction: The federal Electronic Fund Transfer Act (EFTA) offers protections, especially if you contact your financial institution within 60 days after the statement containing the problem was sent. Your institution also must promptly investigate the matter. If your ATM card is lost or stolen and is being used by a thief: Notify your financial institution within two business days after learning that your ATM or debit card has been lost or stolen and the EFTA limits your losses to $50 or the amount of the unauthorized transfers, whichever is less. If you wait more than two business days to report a lost or stolen ATM or debit card, you could be liable for losses up to $500. And if you wait more than 60 days after receiving a bank statement that includes an unauthorized transfer - for example, a withdrawal made with a counterfeit card - the law doesn't require your bank to reimburse you for any losses due to unauthorized transfers made after the 60-day period. After you notify your bank about a lost or stolen card, under most circumstances you will limit your liability for unauthorized transactions from that point on. Rights to information: The EFTA also requires that you be told about ATM fees and other matters regarding transactions. Also, any ATM owner that imposes a surcharge for using its machine must disclose the amount of the fee and allow the user to cancel the transaction.


The Electronic Fund Transfer Act (EFTA) protects you against accounting errors and unauthorized withdrawals involving debit card transactions (deducted directly from your bank account) by personal computer, ATM or other electronic device, if you report the problem promptly. Perhaps the biggest protection for online shoppers is the right to correct errors or unauthorized charges if you contact your financial institution within 60 days after the statement containing the problem was sent. Also, in cases of lost or stolen cards, "the EFTA limits your liability for unauthorized transfers to a maximum of $50 if you notify the bank within two days after discovering the loss or theft," explains FDIC attorney Robert Patrick. Eric Kooistra of the FDIC's Division of Compliance and Consumer Affairs notes that in many situations the major bank cards will voluntarily cover all losses from unauthorized transfers "as a way to promote worry-free use of your credit card and debit card online."



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.
 

About-Grants.com Review - Copyright © About-Grants.com, 2009. All rights reserved.

Your Guide to Understanding and Getting Grants! Looking for info and answers to Grants questions? You've come to the right place!

Here we have a mega-library of Grants articles, resources, tips, Grants FAQ's, news and Grants reviews that you can access with the click of a mouse. You can also ask us questions if you don't find the answers you're looking for already posted. If we don't have the info you need, we'll point you toward it.

So sit back and browse the site. Check out any links that interest you, and look around as much as you want. But before you leave, take a minute to sign up for our free Grants newsletter in the sidebar. In the newsletter we answer readers' specific Grants questions and keep you informed with the latest news. We also offer feedback and reviews on particular Grants products and services. 

Individual Grants: Several no-cost personal grants can be obtained if you happen to belong to a certain group.

Vietnam Era Veterans Educational Assistance is one example of free grants allocated by the government to an individual.

Vietnam Era Veterans Education Assistance is money extended to individuals or families through an agency of the U.S. government. The objective for this one is to provide educational assistance to persons who entered the Armed Forces after December 31, 1976 and before July 1, 1985. Another objective for this personal grant is to allow these veterans to obtain education, and thereby promote a voluntary military program in the U.S. by attracting qualified persons to the service.

To be eligible for this Vietnam program, the applicant must have served honorably on active duty for more than 180 continuous days beginning on or after January 1, 1977. If you were discharged after such date because of a disability acquired in line of duty then you are qualified. Applicants who served more than 180 days and completed first period of obligated service or 6 years of active duty whichever comes first are also eligible for free personal grants under this program. Satisfactory contribution of a monthly deduction of $25 to $100 from military pay from participants is also required to qualify for free personal grants. Lump sum contributions made before March 31, 1987 are allowed.

The American Cancer Society has a program that offers free personal grants to persons afflicted with cancer. Free funds are extended to treatment-related travel expenses including transportation, medicine and medical supplies.

The Leukemia and Lymphoma Society is another organization that provides personal funds to patients in need. This program is supported entirely by public contributions.

Free grants are also available for students who intend to pursue their college studies. Pell Grants is one of the programs students can tap into to fund their advance studies. There are also a number of campus-based aid programs.

The New Freedom Initiatives also give free personal grants to disabled persons. With the implementation and changes of Americans with Disabilities Act (ADA), 54 million Americans are now given the chance to receive free funds to improve their educational, employment and social opportunities.

The above-mentioned programs are just a few of the many personal grant programs available today, backed by private or public funds. Usually established for a cause like scholarship or cancer-treatment, free personal grants are there to ease your personal needs.

Every year billions of dollars are issued in government federal grants to a variety of groups. Grants are awarded to individuals from all walks of life. Each and every day of the year grants are being awarded for an ever increasing array of purposes. As well as government grants there are also many private foundations that issue grants.

Lets get one thing straight, grant programs are not loans! Its up to you to decide how much you need. As long as the application is lawful and you meet the Foundations and Government grant Agencies Requirements, then the grant money is yours to keep. It never needs to be repaid. Best of all the this grant money is non-taxable and its interest-free! 



Most Common Internet Scams - Don't Lose Your Money to Fraud

1. Nigerian 419: Most people today have an email account that they use for various purposes. Of course there are the occasional spam emails that many of us just put into the junk folder, but on some days, we get an email that is really shocking.

If you’ve ever received an email, usually from a Nigerian member of a family that comes from a lot of wealth stating that they are attempting to get a very large amount of money out of the country, you were a possible-victim of the Nigerian 419 scam. Usually these emails call out for your help in order to get this money moved into the US.

But, these emails are nothing less than a scam. It is said that over $32 billion has been lost.

The Nigerian 419 scams are one of the most popular today, and the number of scammers who use this tactic continues to grow. It is said that there are about 300,000 of these scammers in the world today, but the number is steadily increasing.

What’s the attraction?

Of course like many scams on this list, the Nigerian 419 scams seem too good to be true, but somehow people fall for them.

Simply, people like money. If you were given the opportunity to receive half of a million dollars for simply helping to transport money from another country, it might be very tempting, particularly if you are unaware that this is illegal.

People fall for this scam each year: the promise of such a large amount of money is sometimes enough to make a gullible Internet-user fall for a huge scam.


2. PayPal: Many times with these PayPal scams, one is scammed when they have someone respond to an online ad they have placed on Craigslist or some other similar site.

The scammers will usually respond to the ad, stating that they are interested in the product that is being sold and that the product will be sent to a friend or family member within the US.

Many times these scammers are people from a foreign country who are promising to pay more money than what the seller asked for in the first place.

After shipping the item and after the seller pays, you’ll realise that soon enough, PayPal has taken the money from your account, and that you’re out of the item you were trying to sell.

Many times the “buyer” will contact PayPal saying that they never received the item, or in even worse cases, the scammer will be using a fake PayPal address or a stolen account.

What’s the attraction?

When you’re desperately trying to get rid of an item, you are probably pretty impatient and anxious to get rid of it. So when someone responds you probably don’t think twice about the possibility that the person on the other side is a scammer that is trying to get your item without paying for it.

People fall for it simply because many times the scammer is giving them more money that what was asked for and because they really just want to get rid of the item and have money to spend elsewhere.


3. Working from Home: Not only do these scams mean you’re out of money, but it could mean that your computer is left nothing short of…ruined.

These scams usually have a situation where you are given the opportunity to work at home, making your computer a “money-making machine” by doing very simple things. However, you aren’t told what these things are and how to locate them on the Internet without paying a few dollars.

The catch is that you’re paying for information that you often don’t receive, or that often has nothing to do with working from home.

Often times you are guaranteed that within 24 hours you’ll have full access to information and programs that allow your computer to make money for you, without much effort on your part. But this is just another scam and you’ve provided your banking information, and many times you’ve installed rogue software that will only ruin your computer.

What’s the attraction?

Who wouldn’t want to work in their pajamas and slippers all day while sipping a cup of hot coffee?

Many people would love to be able to have a job like this, and this is why people get sucked into the work at home scams.

Working at home is easy and requires less energy than it does to work outside of your home. Paying a measly $5 seems like nothing when you can have the great opportunity of not having to drive to work each day. But many times you get nothing in return from the $5 that you put out, and you’re left with the same early morning routine.


4. “Free” Trial: We’ve all seen the ads and pop-ups on certain websites that promise a free trial of some sort of product: weight-loss pills, a colon cleanse, or dieting pills.

We all know how expensive these products can be, so many people will fall for the free trial scam. While many do get the free product they were promised, the scam starts when you have to provide your banking information to pay for shipping and handling fees.

With the information you provide, the company can then charge you each month for not canceling your free trial. Usually the cancellation notice is in a very fine print that most people pay no attention to.

However, after not canceling your free trial within 15 or 30 days, your debit or credit card is billed monthly. Sometimes even after canceling, the company who has your banking information will sell it to an affiliate company who can then use it as they please.

What’s the attraction?

Free stuff! Who doesn’t like free stuff? Free is good. Free means no money is spent and free means you get to try something without providing any sort of money for the product itself.

The catch is that when you provide your banking information to pay for shipping, you’re giving this company access to take out amounts of money each month for your “free trial.” 

Most people don’t remember to cancel, so in the end you could be out money for a product that was never free at all.

Thankfully if you contact your bank, many times the bank will cover these fees and ensure that you are safe from the company taking more money out of your account.


5. Fake Auctions/Sales: With the popularity of places such as eBay, Craigslist, and other auction websites growing each day, it’s no surprise that fake auctions and fake sales would start to become an issue online.

Many people use these websites on a daily basis to obtain items at a discounted price; and where you find people with money, you will also usually find scammers trying to take it off their hands.

At first, it looks like an opportunity to save money, but in the end many people are left empty-handed and out some bucks. These fake auction and sales scams usually happen pretty frequently and in the blink of an eye.

It’s simple. The scammer creates an ad or auction on a website, stating that he has a certain item for sale, usually something that is pretty expensive to begin with, for a very low price.

Don't be a victim of free government money scams, such as grants and loans that you never pay back.
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 have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
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US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.
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A legit bad credit report repair company follows all government regulations, has a steady rebuilding plan
Your local post office offering government loans and bank checking a0ccounts for poor and bad credit people.
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Yes, Walmart cashes student loan checks. Walmart Expands Check, Card Cashing Services - Walmart announced expanded check cashing and card cashing services at stores nationwide, including the ability to cash payroll and eligible government benefits cards to the penny.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.

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