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How to Find Government Grants

How to Find Government Grants

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Debt relief grants that are being promoted lately might seem like a fairy tale to many. With the state of the economy and work market, many families and individuals struggle to cover their expenses or to pay off debt.

Therefore, government loans to get out of debt can sound like a Cinderella story to you, too. Financial agencies are advertising grants for debt elimination, but could this be the truth?

Is there such a thing as a free money from the government? Can we somehow find ourselves in free money pay off debt situation?

And while some are skeptical, more and more people start believing in programs that can provide a magical solution to their financial struggles.

If you are confused what you should believe, you are in the right place. In this text, we will try to provide some answers or at least point you in the right direction. Grants to help get out of debt might sometimes appear hard to find, but not if you look at the right places.

Our hope is that after reading this, you will be empowered to find grants for debt relief or ways to help pay off debt fast that will actually serve you.

How to get a grant?

When it comes to debt relief grants, there is no one size fits all type of solution. The path you should take will depend on your unique situation and circumstances.

The single best thing to do for yourself at this point is to get familiar with the topic. What are different types of grants? How can I find them and where to apply for them? The more informed and prepared you are, the easier it is going to be for you to provide debt free future for yourself and your loved ones.

Get ready to explore this deeper, as we are now going to learn about steps and alternatives you might have. Here is how will you find grants to pay off debt.

Learn about grants available to you

First, you need to understand that there is probably no such a thing as a perfect grant designed to fix all of your money issues.

It will always be harder to find help for day to day expenses or to pay off credit card debt than for medical or educational bills. But don’t get discouraged. Whatever your situation might be, there is probably some kind of debt consolidation grants for you.

The best way to get help is to ask for it. At the right place, of course. In this case, this means that you should explore local state resources, talk to nonprofits or community action bureaus. In some cases, those organizations can provide direct help, or give you referrals.

With the help of the qualified professionals, you will soon find personal grants to pay off debt you may be qualified for. The more you know, faster will you be getting out of the debt.

Government Assistance Programs

Best grants programs usually belong to this category. They can be assistance programs run by the state or the county, and they can incorporate multiple ways to help people.

Among others, they include child care subsidies or programs such as LIHEAP that help low-income families pay their heating bills. Another great example is the Temporary Assistance for Needy Families or TANF program. It is designed to cover basic human needs such as food and shelter on a temporary basis.

If this is something that might be useful to you, get familiar with what’s available in your area since these programs are usually location based. There are also lists of such programs that can be purchased, but be very cautious with that. First of all, don’t buy it if it seems too pricey. Different agencies are charging differently for the same lists, so make sure not to overpay.

Child Care Help

Every system in the world has some way to help families raise their children and take a good care of them. Some of them involve tax deductions for child’s daycare or different annual expense parents may have. And even though this is great, for some low-income families it is simply not enough.

Most states are aware of this, so they offer vouchers or subsidies to help the families in need.

Since this can be different depending on your location, it is best to visit your local Economic Development Center or social service office in order to learn more. While getting free money from the government may sound like a science fiction, you would be surprised with the help you can get to provide your children with the necessities they need.

Section 8 and Free Housing

Let us start with the sad news. There is no such a thing as a free housing. You will have to pay your rent. Or at least some part of it.

The good news is that government can sometimes help with that. The government program, known as section 8 is designed to help families by providing vouchers that will cover part of the market price of the rent. They are issued by the public housing authorities to help families with a very low income keep the roof over their head.

If you happen to be in Florida and are looking for programs like these, read here.

Grants For Utility Bills

Utilities are usually one of the most important expenses any family has. They are both important for the basic functioning of the household, and one of the biggest expenses a typical family has.

No wonder some government agencies and utility companies are working hard to ensure their users don’t get disconnected.

Water, heating or electricity is something we all take for granted in this modern era, and fortunately, there are a lot of grant and assistance programs that are helping it stay that way.

If, for any reason, you need assistance in this area, call your utility company. They usually have representatives that can present your options and even help you apply for the best programs.

Medical Bills Grants

Being able to cover your health and medical bills is one of the pillars in the single person’s life. Unfortunately, this is sometimes easier said than done, which can cause added stress and decrease your well being even more if you ever get sick.

If you have a medical bill you can’t afford, don’t be shy. Try to find the right person to talk about it. In most cases, you will find it at the hospital. Talk to the patient advocate and present your case. Explain your income and financial situation, so they can help you easily and accurately.

Make sure that you are taking advantage of emergency medical funds that exist in your county. There is a possibility they will pay your whole bill. If this is not an option, you can always ask if the hospital will let you pay on the sliding paying scale, depending on your financial status.

Don’t forget to chat with your local health department, since they can assist both with your current bills and unpaid debt from the past. You never know if you have some ground for a deduction!

Education Grants

The good education system is important for the future of us all. The more educated specialists we have, the better the world will be.

This is one of the reasons why the government is helping young people getting their degree, mostly through student loan programs. The good place to look for this type of government grants is your college financial advisor.

But if you are looking for something even better, such as a scholarship you won’t have to pay back, you should take a different path. Private grants, issued by private organizations and individuals are the way to go in this case. Your college advisers might not be able to help you with this, but it can pay off to invest some time and investigate options yourself.

Get Professional Clothes for Free

Free money from the government maybe doesn’t mean that you can shop whatever you want, but one of the options to take an advantage of is buying a new uniform. If you are in need of something to make you look professional at your new job, local career centers will probably help you.

And in some scenarios, people can get the whole new professional wardrobe. For example, institutions such as Vocational Rehabilitation program are granting money to the disabled individuals for this purpose. In other cases, you can at least get a participation or a voucher for your shopping bill.

But can I get a free money to pay off debt?

We all saw advertisements stating that you can get 800$ a month for the rest of your life, to pay any bills and debt. This might sound like an easy money, and you might be thinking that you found a magical way how to pay off credit card debt with low income, but be cautious.

It is a truth that a government created a resource to help families and people with disabilities. In those cases, people are unable to earn more than $800 a month. So when we talk about this, we are thinking social security or disability check. These are not grants for debt elimination that will pay off your bills for the rest of your life.

Anyhow, this or other benefits might still be available to you. Just don’t trust everything you see in the commercial, and go to your local social security office where professionals can explain if you can apply for any similar benefits yourself.

So, how to pay off debt with low income?

It is not going to be easy or fast, but if you are at the tough spot with the lots of bills to pay and a low income, you are probably eligible for some of the programs we talked about.

Hope this will inspire you to take a step in the right direction and start fighting for brighter, debt free future. There are a lot of free information out there and a lot of great institutions that can help you on your journey, so why wouldn’t you become the next success story we will all be reading about?

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About Mark Sidway

Hey everyone I'm Mark. I'm obsessed with finding programs and loopholes for getting people the financial help they deserve. I'm an expert when it comes to taking advantage of financial relief programs and I can probably help you. Subscribe below!