Check your eligibility free!

100s OF GOVERNMENT GRANT, ASSISTANCE, & BENEFIT PROGRAMS AVAILABLE
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(No Email, Phone Number, or Postal Address required)

Check your
eligibility free!

100s OF GOVERNMENT GRANT, ASSISTANCE, & BENEFIT PROGRAMS AVAILABLE
arrow
(No Email, Phone Number, or Postal Address required)

The maximum Pell Grant Award is currently $5,500 for those who qualify as full-time or part-time students.

(No Email, Phone Number, or Postal Address required)

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WE FOUND 30+ GRANT, ASSISITANCE & BENEFIT PROGRAMS THAT MAY IMPROVE YOUR FINANCES!

(No Email, Phone Number, or Postal Address required)

Grants Explained

The broad term "Grants" is commonly used to describe several forms of economic assistance provided by one party to a recipient.  What most Americans may not realize, there's more to grants and economic assistance than the crazy guy wearing a purple suit on late night television tells you.  While it's true that grant money programs exist with billions of dollars available to citizens who meet certain eligibility requirements, there are also viable forms of Assistance and Benefits available to individuals facing financial hardship.  Why limit yourself to only grants?  Thats' the very question we asked ourselves back in 2008.  Poof!  ClaimYourGrantMoney.com was born, where you can preliminarily check your eligibility for available grants, assistance, and benefits without entering your email address, phone number, or any other contact information for that matter.  Now, before you take our 30-second preliminary eligibility survey above, let's take a quick glance at the differences between the types of economic assistance that may be available to you.

Grant Money: A disbursement by one party to a recipient intended to carry out public support or stimulation for the greater good.  Grants are typically disbursed by the Federal government (26 agencies offer more than 1,000 grants per year), public and private organizations, and charitable entities.  Because grants are essentially free money (they do not need to be paid back), they are tough for individuals to obtain.  Each grant has certain eligibility requirements that are specific to its cause.  For this reason, you will commonly see grants available to those who want to start a business or go to college, or those who represent disadvantaged groups such as single parents, minorities, or low income.

Assistance: A disbursement offered in general, often by the government, to a large group of people or the country as a whole, to relieve financial hardship or crises.  Assistance is more commonly available to individuals than grant money.  Examples of assistance that may be available to you include assistance for housing or rent, job training, family support, healthcare, childcare, utility bills and more.

Benefits: A regular payment, often made by a government agency to a disadvantaged recipient who qualified to receive it.  Examples of benefits that may be available to you include Welfare, Medicare, Unemployment, Pension Insurance, early Social Security, Veterans, Disabled and more.

Federal Grants

There are currently 23 different categories of grants offered by the US Government. They range from almost every sector and are offered to individuals, businesses, non-profits, students, and other government departments.

  • Agriculture
  • Arts (also Cultural Affairs)
  • Business and Commerce
  • Community Development
  • Consumer Protection
  • Disaster Prevention and Relief
  • Education
  • Employment, Labor, and Training
  • Energy
  • Environment
  • Food and Nutrition
  • Health
  • Housing
  • Humanities
  • INcome Security and Social Services
  • Information and Statistics
  • Law, Justice, and Legal Services
  • Natural Resources
  • Other
  • Recovery Act
  • Regional Development
  • Science and Technology
  • Transportation

In the United States, federal grants are economic aid issued by the US Govt out of general federal revenue. A federal grant is an award of financial assistance from a federal agency to a recipient to carry out a public purpose of support or stimulation authorized by a law of the United States.

Grants are federal assistance or loans to individuals, benefits or entitlements. A grant is not used to acquire property or services for the federal government's direct benefit.

Grants may also be issued by private non-profit organizations such as foundations, not-for-profit corporations or charitable trusts which are all collectively referred to as charities.

Business Grants

Government grants are funded by your tax dollars and, therefore, require very stringent compliance and reporting measures to ensure the money is well spent. As you can imagine, grants are not given away indiscriminately.

Grants from the Federal government are authorized and appropriated through bills passed by Congress and signed by the President. The grant authority varies widely among agencies. SBA has authority to make grants to non-profit and educational organizations in many of its counseling and training programs, but does not have authority to make grants to small businesses. The announcements for the counseling and training grants will appear on grants.gov. If Congress authorizes Specific Initiative Grants, organizations receiving such grants will receive individual notifications.

Some business grants are available through state and local programs, nonprofit organizations and other groups. For example, some states provide grants for expanding child care centers; creating energy efficient technology; and developing marketing campaigns for tourism. These grants are not necessarily free money, and usually require the recipient to match funds or combine the grant with other forms of financing such as a loan. The amount of the grant money available varies with each business and each grantor.

Outside the United States grants, subventions or subsidies are used to in similar fashion by government or private charities to subsidize programs and projects that fit within the funding criteria of the grant-giving entity or donor. Grants can be unrestricted, to be used by the recipient in any fashion within the perimeter of the recipient organization's activities or they may be restricted to a specific purpose by the benefactor.

If you are not one of these specialized business, both federal and state government agencies provide financial assistance programs that help small business owners obtain loans and venture capital financing from commercial lenders.

Free Grants

In the United States, federal grants are economic aid issued by the United States government out of the general federal revenue. A federal grant is an award of financial assistance from a federal agency to a recipient to carry out a public purpose of support or stimulation authorized by a law of the United States.

Grants are federal assistance or loans to individuals, benefits or entitlements. A grant is not used to acquire property or services for the federal government's direct benefit.

Grants may also be issued by private non-profit organizations such as foundations, not-for-profit corporations or charitable trusts which are all collectively referred to as charities.

Outside the United States grants, subventions or subsidies are used to in similar fashion by government or private charities to subsidize programs and projects that fit within the funding criteria of the grant-giving entity or donor. Grants can be unrestricted, to be used by the recipient in any fashion within the perimeter of the recipient organization's activities or they may be restricted to a specific purpose by the benefactor.

Aid to Families with Dependent Children (AFDC) was a federal assistance program in effect from 1935 to 1996 created by the Social Security Act and administered by the United States Department of Health and Human Services that provided financial assistance to children whose families had low or no income.

This program grew from a minor part of the social security system to a significant system of welfare administered by the states with federal funding. However, it was criticized for offering incentives for women to have children, and for providing disincentives for women to join the workforce. In 1996, AFDC was replaced by the more restrictive Temporary Assistance for Needy Families (TANF) program.

Government Grants

In the United States, federal grants are economic aid issued by the United States government out of the general federal revenue. A federal grant is an award of financial assistance from a federal agency to a recipient to carry out a public purpose of support or stimulation authorized by a law of the United States.

Grants are federal assistance or loans to individuals, benefits or entitlements. A grant is not used to acquire property or services for the federal government's direct benefit.

A Grant is a disbursement by one party to a recipient intended to carry out public support or stimulation for the greater good. Grants are typically disbursed by the Federal government (26 agencies offer more than 1,000 grants per year), public and private organizations, and charitable entities. Because grants are essentially free money (they do not need to be paid back), they are tough for individuals to obtain. Each grant has certain eligibility requirements that are specific to its cause. For this reason, you will commonly see grants available to those who want to start a business or go to college, or those who represent disadvantaged groups such as single parents, minorities, or low income.

Applying For Grants

Let's cut right to the chase here: Applying for a grant is a tedious and time-consuming process. When thousands of dollars are at stake, you should expect to have to jump through some hoops, especially when that money does not need to be paid back. We crafted these simple guidelines to help first-time grant writers through the tedious process and hopefully improve the quality of applications submitted by even the most veteran grant applicants.

1) Select a Grant

Obviously, our site ClaimYourGrantMoney.com is a great resource for determining which grants might be available to you based on your answers to our survey. But what if we narrowed your results too much? It unfortunately can happen. In these cases we also recommend perusing Grants.gov where you can research all opportunities, download applications, watch tutorials and more.

2) Understand the requirements of the grant being offered.

Once you have selected a grant, we recommend double-checking the requirements of that grant to make sure you qualify. Most importantly, can you carry out the public support or stimulation the grant is asking for? Other eligibility requirements may include: Do you meet the geographic requirements? Do you have direct or indirect experience performing the duties the grantor is looking to fund? When is the application deadline (you will need at least 10 days to prepare your grant)?

3) Obtain the full application package

Once you have selected a grant, read the instructions to determine how to obtain the full application package. Some are available for download online while others require a request in writing to a specific grantor.

4) Research and Prepare to write

At this point, your grant application is starting to become a real thing. We suggest you thoroughly plan and organize before putting pen to paper. For example, a 3-ring binder and some dividers will come in handy. Use this to document the requirements, your research, rules and any necessary attachments to the application.

5) Write

Thoroughly describe your solution to the public support or stimulation needed in the grant. Why are you the best person to carry out these actions? How is your solution uniquely designed to succeed? Back up your claims with facts found during your research using several different forms (i.e.: pie charts, tables, graphs, etc).

6) Review and Finalize

We recommend having at least 2 other people proofread your grant application before you send it out. Have them pay special attention to spelling, grammar and punctuation. Highlight any portions you are worried might not be crystal clear. Make sure there are no questions that remain unanswered.

Lastly, most grant application packages include a checklist of everything that needs to be submitted with the application. Diligently review and complete that checklist to find any items you may have missed.

7) Submit your application

Grants are typically filed electronically or on paper via postal mail. Your instructions should detail the options available to you. If given the choice, we suggest filing a paper application through the mail preferably using a service such as FedEx. Be sure to mail it out in enough time to meet the deadline.

College Grants

Grants and scholarships are free money to help pay for college or career school.

Grants and scholarships are often called "gift aid" because they are free money—financial aid that doesn't have to be repaid. Grants are often need-based, while scholarships are usually merit-based.

Grants and scholarships can come from the federal government, your state government, your college or career school, or a private or nonprofit organization. Do your research, apply for any grants or scholarships you might be eligible for, and be sure to meet application deadlines!

Occasionally you might have to pay back part or all of a grant if, for example, you withdraw from school before finishing an enrollment period such as a semester.

What kinds of federal education grants are available?

The U.S. Department of Education offers a variety of federal grants to students attending four-year colleges or universities, community colleges, and career schools:

  • Federal Pell Grants
  • Federal Supplemental Educational Opportunity Grants (FSEOG)
  • Teach Education Assistance for College and Higher Education (TEACH) Grants
  • Iraq and Afghanistan Service Grants

Almost all grants listed above are awarded to students with financial need.

What kinds of scholarships are available?

There are thousands of scholarships, from all kinds of organizations, and they're not hard to find. You might be able to get a scholarship for being a good student, a great basketball player, or a member of a certain church, or because your parent works for a particular company, or for some other reason.

Job Training

The government provides a ton of resources to help you find a job, train for the new career (both long-term and short-term), earn professional certifications and continue your education. Believe it or not, all of these services are made available on one comprehensive website: American Job Center. Enjoy!

Medicare Benefits

Medicare is a national social insurance program, administered by the U.S. federal government, that guarantees access to health insurance for Americans aged 65 and older and younger people with disabilities.

Mortgage Assistance

Whether you are shopping for a mortgage loan, trying to restructure your existing mortgage, looking for federally-funded home buying stimulus programs or interested in checking the complicated math provided to you by a potentially predatory lender, the government has made a ton of resources available to you.

The Federal Housing Administration (FHA) has been insuring mortgage loans for those who qualify since 1934. What does this mean? Under certain circumstances, the FHA will guarantee your loan to the lender so you can enjoy low down payments, low closing costs and easy credit qualifying. If that is not enough for you, the FHA also offers certain programs that for example help with buying your first house or provide generous tax credits if you purchase a home deemed a “fixer-upper”. To explore these opportunities, you can visit the FHA’s website here

Fortunately for all of us, the federal government is not the only agency providing home buying assistance. Many states have adopted programs of their own. To see which programs your state has to offer visit here

The Public Housing Agency (PHA) has created several programs that work with residents to by converting their monthly rent payments into mortgage payments. You can find your local PHA here

Now, one of the biggest issues that we Americans face is continuing to pay our mortgage during these tough times. As a solution, the Department of Treasury and HUD have combined forces to bring us the Making Home Affordable Campaign that offers solution to help you stay in your home such as: lowering your monthly payments, reducing your interest rate, assisting if you suddenly lose your job or if the value of your home has dramatically fallen. Furthermore, they have provided a list of Housing Counseling Agencies that will provide free or low-cost advice on home related issues.

Lastly, a bundle of other amazing resources have been compiled to help in other home related areas such as How To Avoid Predatory Lenders, Avoiding Foreclosure and Frequently Asked Questions about Reverse Mortgages.

Unemployment Benefits

The Department of Labor (DOL) provides numerous benefits to eligible workers who become unemployed to no fault of their own.

The Federal-State Unemployment Insurance Program and related benefits (payments) are intended to provide temporary financial assistance to unemployed workers who meet the requirements of State law. See DOL’s fact sheet here. In order to make a claim, find your state’s Unemployment Insurance Agency.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. In order to apply for COBRA, simply contact your former employer’s health plan administrator to request an application.

Extended Benefits are available to workers who have exhausted regular unemployment insurance benefits during periods of high unemployment. Find more information here.

Self-Employment Assistance offers dislocated workers the opportunity for early re-employment. For information on this program visit here.

Utility Bill Assistance

Unlike the other forms of assistance discussed on our website, the federal government does not have many programs to assist with your utility bills. So why would we have a section of our website dedicated to it? Because many state governments do!

By far, the most popular program to help pay your home energy bill is Low Income Home Energy Assistance Program (LIHEAP). Again, these are programs available in your state, territory or region, so the best place to start is the LIHEAP State and Territory Contact Listing.

The next most popular utility bill assistance program is Lifeline Across America which helps ensure everyone has access to telephone service by providing significant discounts to eligible individuals for both land line and wireless services. Access the Eligibility Tool and Company Finder here.

You will also find other valuable programs and resources from your State Utility Commission and State Social Service Agencies.

Lastly, we wanted to share a tidbit we have learned over the years. If you or a family member is elderly or disabled and having trouble paying your utility bills, you should first contact your utility company. Most of them have programs in place to provide you with the assistance you need.

Disability Benefits

There are two primary programs, both administered Social Security Administration (SSA) designed to provide benefits to individuals who have a disability and meet certain medical criteria: Social Security Disability Insurance and Supplemental Security Income.

Other areas of their website to find helpful information:

Apply for Disability

There are two primary programs, both administered Social Security Administration (SSA) designed to provide benefits to individuals who have a disability and meet certain medical criteria: Social Security Disability Insurance and Supplemental Security Income.

Other areas of their website to find helpful information:

Childcare Assistance

Childcare is another expensive fact of life. Not just finding a caregiver who’s schedule meets yours, but making sure your child’s develops in a wholesome environment with safe and positive experiences. Because it can be such a stress on families, the government offers several programs to help ease the situation.

Head Start is a federal program that promotes the school readiness of children ages birth to 5 from low-income families by enhancing their cognitive, social and emotional development. Find more information here.

The Children’s Bureau (CB) is the first federal agency within the U.S. government—and in fact, the world—to focus exclusively on improving the lives of children and families. We celebrated a full century of progress on our centennial anniversary, April 9, 2012. Find more information here.

Contact your state to apply for welfare (also known as Temporary Assistance for Needy Families or TANF) here.

Employment Assistance

Whether you recently lost your job, are looking to make a career change or simply want to see if something better might exist out there, the government makes a ton of useful programs, information and tools available.

You can apply for unemployment benefits through your state unemployment insurance office.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. In order to apply for COBRA, simply contact your former employer’s health plan administrator to request an application.

Explore local job training programs, apprenticeships, certifications and education opportunities here.

The US Department of Labor has a tool to find workforce services in your neighborhood here

The Worker ReEmployment Act now makes is easier than ever to obtain extra help to make ends meet. Numerous programs for the recently unemployed exist ranging from healthcare, housing support, food support, family support and financial counseling here

Grant Money

disbursement by one party to a recipient intended to carry out public support or stimulation for the greater good.  Grants are typically disbursed by the Federal government (26 agencies offer more than 1,000 grants per year), public and private organizations, charitable entities and advocacy groups.  Because grants are essentially free money (they do not need to be paid back), they can be tough for individuals to obtain.  Each grant has certain eligibility requirements that are specific to its cause and the application process can be lengthy. For this reason, you will commonly see grants available to those who want to start a business or go to college, or those who represent disadvantaged groups such as single parents, minorities, or low income. Other types of assistance and benefits exist, also primarily disbursed by the government that are more intended for individuals in economic need.

Housing Grants

Another in the long list of grants that is rare and tough to obtain. Yes, many other websites may indicate they can help you obtain a housing grant. Yes, TV commercials will do the same. Housing grants are controlled by the US Departments of Housing and Development (HUD). Directly on their website, they indicate that Housing Grants are available to organizations and groups for a variety of reasons. Check it out for yourself HUD Grants.

Again, it’s important not to be discouraged. The government and specifically HUD have numerous Housing Assistance programs available for individuals. These programs include awards to help pay your rent or mortgage, finds for first-time home buyers, reduction of mortgage principal and/or interest and even several housing-related programs that can help with your utility bills or phone service. Feel free to explore those areas of our website. You will be glad you did.

Medical Assistance

Health care is quite expensive these days and few individuals can afford to pay the full costs. Having health insurance allows you to get the treatment you need without incurring excessive medical bills. In other words, health insurance is an important facet of everyday life. Unfortunately, many Americans are uninsured due to their finances and/or a pre-existing condition. In order to help people in need, there are several medical assistance programs available to get health insurance regardless of their income or health history.

You can see which Health Insurance Options are available now by simply answering a few basic questions here.

Medicare is a national social insurance program, administered by the U.S. federal government, that guarantees access to health insurance for Americans aged 65 and older and younger people with disabilities.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. In order to apply for COBRA, simply contact your former employer’s health plan administrator to request an application.

The Children’s Health Insurance Program (CHIP) provides free or low-cost health coverage for low-income children. Each state decides on the benefits provided under CHIP, but all states cover routine check-ups, immunizations, hospital care, dental care, and lab and x-ray services. Find coverage in your state here.

Medical Eligibility

Medicare is a national social insurance program, administered by the U.S. federal government, that guarantees access to health insurance for Americans aged 65 and older and younger people with disabilities.

Medicaid is a health program for families and individuals with low income and resources. Known as "a government insurance program for persons of all ages whose income and resources are insufficient to pay for health care". Medicaid is the largest source of funding for medical and health-related services for people with low income in the United States. It is a means-tested program that is jointly funded by the state and federal governments and managed by the states. Medicaid recipients must be U.S. citizens or legal permanent residents, and may include low-income adults, their children, and people with certain disabilities.

You can see which Health Insurance Options are available now by simply answering a few basic questions here.

Personal Grants

Much like the other types of grants we have discussed on our website, Personal Grants are also rare and tough to obtain. We do not want you to be discouraged though. As you read on, you will see there are more viable and sometimes just as generous assistance and benefits available to those who qualify.

As for Personal Grants, don’t be fooled by the crazy guy wearing a purple suit on late night TV or the various websites out there that claim grant money is available for items such as groceries, car repairs or bills. Grants are disbursed to carry out public support or large-scale stimulation for the greater good. Unfortunately, buying groceries, repairing your car or paying past due bills do not fall into this category.

So what types of funds are available to everyday individuals who qualify? Several different forms of assistance and benefits are generously made available by the government. These types of financial awards include housing assistance (help paying your rent and mortgage), job training for a new career, medical assistance (insurance and past due bills), disability benefits, medicare benefits and the list goes on! Now that you have seen the light, feel free to explore the Assistance and Benefits portions of our website to see what you may qualify for.

Unemployment Benefits Online

The Department of Labor (DOL) provides numerous benefits to eligible workers who become unemployed to no fault of their own.

The Federal-State Unemployment Insurance Program and related benefits (payments) are intended to provide temporary financial assistance to unemployed workers who meet the requirements of State law. See DOL’s fact sheet here. In order to make a claim, find your state’s Unemployment Insurance Agency.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. In order to apply for COBRA, simply contact your former employer’s health plan administrator to request an application.

Extended Benefits are available to workers who have exhausted regular unemployment insurance benefits during periods of high unemployment. Find more information here.

Self-Employment Assistance offers dislocated workers the opportunity for early re-employment. For information on this program visit here.