Government Grants and Loans for Individuals
Free Money From the US Government?
The US federal government provides many loans and grants to US citizens, schools, non-profit organizations, and other entities. For my own benefit, as well as yours, I have been collecting resources for my use. Feel free to use them at your leisure.
There is no guaranteed way to get grant or loan money. Sorry.
The money available may or may not be free. For example, a loan is not free. However, it may be at a very low rate or is deferred for a length of time.
Benefits.gov Benefit Finder Tool
This is an official tool from the US government to help you determine if you are eligible for the various benefits that are available through the federal government.
It takes about 20 minutes to complete, but it is very helpful in finding programs that may be available to you.
Number of Grants and Loans by Agency
Catalog of Federal Domestic Assistance (CFDA)
There are a staggering 2,112 Federal assistance programs available.
The Catalog of Federal Domestic Assistance (CFDA) is a full listing of any and all Federal programs available to State and local governments (including the District of Columbia).
In addition to state and local governments, there are Territories (and possessions) of the United States; federally-recognized Indian tribal governments; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals also available to receive assistance.
You do not have to register with the US federal government's Grants.gov website to find grant opportunities. However, once you are ready to apply for a grant, you will need to Register.
This process takes 3-5 business days up to 4 weeks if you experience any difficulties.
Federal Business Opportunities
Federal Business Opportunities, aka FedBizOps, is an excellent source of assistance for small businesses.
Currently there are more than 24,000 opportunities available!
There are almost 70 forms of government assistance are listed on DisasterAssistance.gov. Also, there are links to local information which will also help you prepare for or respond to a disaster.
If the President of the United States announces that help is to be made available for individuals after a disaster, you can apply online at DisasterAssistance.gov.
Student Aid on the Web
Tons of helpful information about writing grants in the always easy-to-read Dummies format.
US Government Agencies that Provide Grants
- U.S. Department of Agriculture Home Page
Agricultural assistance, grants, and loans.
- U.S. Agency for International Development
USAID is the government agency providing U.S. economic and humanitarian assistance worldwide for more than 40 years.
- Department of Commerce
Commerce.gov is the official website of the United States Department of Commmerce. The Department of Commerce fosters and promotes the nations economic development
- Department of Defense
Defense related grants.
- U.S. Department of Education
The Department of Education promotes educational excellence through coordination, management and accountability in federal education programs. The Department works to supplement and complement educational efforts.
- Department of Energy
The Department of Energys goal is to advance national, economic and energy security in the U.S.; to promote scientific and technological innovation in support of that goal; and to ensure environmental cleanup of the national nuclear weapons complex.
- United States Department of Health and Human Services
The Department of Health and Human Services is the federal governments principal agency for protecting the health of all Americans and providing essential human services, especially to those who are least able to help themselves.
- Department of Homeland Security
The Department of Homeland Security has three primary missions: Prevent terrorist attacks within the US, reduce Americas vulnerability to terrorism and minimize the damage from potential attacks and natural disasters. Assistance is for the above.
- Housing and Urban Development
Assistance for housing, refurbishing, neighborhood development, and much more.
- U.S. Department of the Interior
U.S. Department of the Interior helps with federal lands and waterways.
- US Department of Justice
Law enforcement types of assistance and information.
- The U.S. Department of Labor
The U.S. Department of Labor is charged with preparing the American workforce for new and better jobs. DOL is responsible for the administration and enforcement of over 180 federal statutes.
- U.S. Department of State
The Department of State strives to create a more secure, democratic and prosperous world for the benefit of the American people and the international community.
- U.S. Department of Transportation
Transportation and infrastructure grants.
- U.S. Department of the Treasury
The Department of Treasury is a steward of United States economic and financial systems, and promotes conditions for prosperity and stability in the U.S., and encourages prosperity and stability in the rest of the world.
- U.S. Department of Veterans Affairs
The US Department of Veterans Affairs provides patient care and federal benefits to veterans and their dependents.
- US Environmental Protection Agency
- Institute of Museum and Library Services (IMLS)
The Institute of Museum and Library Services is a grant-making federal agency supporting museums and libraries of all types.
NASA.gov brings you images, videos and interactive features from the unique perspective of Americas space agency. Grants for space research and other types are available.
- National Archives and Records Administration
The National Archives and Records Administration enables people to inspect the record of what the federal government has done, enables officials and agencies to review their actions and helps citizens hold them accountable.
- National Endowment for the Arts
Artistic studies grants.
- The National Endowment for the Humanities
NEH is an independent grant-making agency of the United States government dedicated to supporting research, education, preservation, and public programs in the humanities.
- US National Science Foundation (NSF)
The National Science Foundation is an independent federal agency created to promote the progress of science, to advance the national health, prosperity, and welfare and to secure the national defense.
- The U.S. Small Business Administration
The Small Business Administration maintains and strengthens the nations economy by aiding, counseling, assisting and protecting the interests of small businesses and by helping families and businesses recover from national disasters.
- The United States Social Security Administration
The Social Security Administration advances the economic security of the nations people through compassionate and vigilant leadership in shaping and managing Americas Social Security programs.
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