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Online applications for 100% free government grants, gov loans, plus unclaimed money and property search.

                  

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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. 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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Newest Government Grant Opportunities ~ Click Here

 

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 ó 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.


Debt

 

Some bill collectors constantly call and leave messages on answer machines, this only ads to the problems of being deep in debt and stressed. There comes a point when being in debt must be handled in some fashion to get relief. To get out of debt means there must be a financial plan in place and spending money must be monitored. Unless more money is generated, the money that is earned must be stretched to payoff bills. Not many people have the energy or time to get a second job just to earn more money. Free debt consultations are offered online and there is usually a no obligation quote. 

 

A few examples of debt relief methods are below:

 

* Combine credit card debts into one easy, to pay monthly bill.

* Negotiate with creditors to reduce the debt balance owed.

* Work with a debt service to learn how to manage finances.

* Use the equity in a home to get a loan to payoff debts.

 

There are many companies who are professionals in working with people. Most of them have programs that are unique to the service they provide. People who are in debt need affordable monthly payment plans, to get bills paid off. Professionals are good at educating people about the different types of debt, like secured and unsecured. Good companies usually have trained staff members who are able to give options for the different types of debt relief.

 

Debts can be the secured type that is connected to collateral, that a lender could take possession of if the borrower defaults on the payments. An example of collateral is an auto or home. There are some business, like a pawn shop, who offer short-term loans that can also be secured by some type of collateral. Lenders like secured loans as they can take the property if the loan is not paid. The good thing for a borrower is that secured loans usually have lower interest rates, but the risk is loosing the property if the loan is not paid. There are hundreds of unsecured payday loans that many people use to pay off small debts. They apply for these small loans at times when they have exhausted their paycheck and need extra money. Some lenders do not require a credit check and bad credit people may be able to get approved easier.

 

Debts that do not have any collateral connected to them, are unsecured debts. In this case, when a borrower defaults, the lender may have to take legal action and they can have negative comments placed on a person's credit reports. Credit card debts are a type of unsecured debt, that is why using a credit card, and repaying on time, can have a good effect on reports. By doing this, it can repair poor credit.




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US-Government-Grants.org Review - Copyright US Government Grants

What are the advantages of getting government grants? This may seem like a mad question but here are several facts that you might not know. Overall, grants supply the best encounter for those returning to college simply because they do not require repayment for the funds that they are going to obtain. Here are several facts and numbers on grants, for single moms, or any individual that may be searching at signing up for a grant to totally free them of debt, start a business, or earn their college degree.

One of the very best aspects of obtaining a grant is that they donít think about your monetary record. For those who have had a bankruptcy inside your history, this can make your ability to qualify for a loan like the Stafford loan from school you need to attend. This isnít the case with grants to individuals because this money does not require any form of repayment and thus they donít need to be involved together with your inability to pay off the loan within the future.

Government education grants abound in todayís recessive market. The Obama administration has created a $12 billion package that will help all college students, such as single moms, get college funding for no much less than 2 years. You will find some programs which are especially geared toward grants for ladies but there are federal grants for most all individuals that also wish to return to college.

College loans and grants donít need to be your primary focus. You can get federal and state grants for companies also. Presidential grants for little business are a big market right now. You will find grant writers that are making profits as they are employed to fill out grant paperwork to be submitted to ensure that their clients can receive thousands, if not tens of thousands, of dollars in compensation.

This totally free cash craze doesnít stop within the U.S. There are Canadian state grants which are available for their citizens also. Grants have been around for a long time. It is just that many people think about funding things such as a company or going to college as a decision that requires going into debt. Luckily, this isnít the case so a lot anymore.

One of the things the individuals need to know is that the government grants for individuals are not extended to those people who want funds on behalf of their institutions or organizations. Most of these grants are offered to individuals who want the finds for their own use such as for education or trade. When they submit the application, the individuals must know that they should spend the money on what it was designed for or else they will get harsh penalties from the government.

Before they apply for these government grants for individuals, they need to find out the requirements they have to fulfill. For starters, they are required to be American citizens and must have attained 18 years of age. These are the general requirements for most of these government grants but the specific grants come with specific requirements that they need to meet in order to be eligible for them. It is therefore important that they check out as many grants as possible to find the one that not only suit their needs but also those that they are eligible for.

Grant is money given away by the government to hand out a particular purpose. There is a boundless number of free grant programs that give financial assistance to people in need. Individual grants are available for all kinds of purposes such as pursuing education, purchasing a new house or getting free of debt. The most kind of these grants are handed over to the small business owners who need support in starting a new business.

The TANF program, run by the Department of Human Services, gives grants to assist individuals in need that also have children. It allows families to care for their children in the home, prepare individuals to get meaningful employment and provides services to prevent divorce of parents by encouraging a two-parent household. To be eligible for TANF, a candidate must be at least 19-years-old, pregnant or have a child, and meet income and service requirements. Individuals concerned in the program can apply for TANF through their local DHS office.

The government has an abundance of money which they should freely share with us normal people. We could all use a bit additional cash to assist with our daily lives. Thereís a way to dig into the governmentís pocket and take back the money they take from us everyday. Through government grants and government loans, we can receive money to help with our particular scenarios. Grants and loans are completely various for those individuals who did not know. A grant is money you receive and donít need to pay back while a loan is cash you get but have to pay back in steady increments over a certain period of time.

There are thousand of government grants we can all apply for. It does not mean that we can all get a grant but if you do qualify, youíve a much better chance the next person. You canít do something using the money you get from a grant either; you need to follow the guidelines set forth by the grant to keep the cash. Regardless, it is free cash that you simply obtain and it ought to help you out.



Get a Credit Card Late Payment Fee Waived

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

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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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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