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. 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.

Benefit Finder Tool

The following chart shows the program distribution for the top five issuing agencies
The following chart shows the program distribution for the top five issuing agencies | Source

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.

Catalog of Federal Domestic Assistance

You do not have to register with the US federal government's 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.

The official Search Engine

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 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


Recovery Act Grants

The Recovery Act has many grants available for individuals and organizations to help recovery from the economic problems of late

Recovery Act Grants

Google Advertising

Google gives non-profit organizations free advertising throught their Grants In-Kind Advertising Program.  The advertising is through Google Adwords.

Grants in-kind Advertising Program

Student Aid on the Web

There is federal aid grant money available for free to eligible students and teachers in the US. Included are the TEACH Grant, Pell Grant, FSEOG, ACG, the National SMART Grant, various Institutional Grants, and the Iraq and Afghanistan Service Grants.

Student Aid on the Web

Grant Writing For Dummies
Grant Writing For Dummies

Tons of helpful information about writing grants in the always easy-to-read Dummies format.


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Dee aka Nonna profile image

Dee aka Nonna 5 years ago

Good information. I've done a great deal of research.. individual grants are so difficult to get and the process to navagate.

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