FAQ / Government Grants and Loans for Individuals

Many people look to the government hoping to find out how to apply for a grant or to get "free money." However, grants usually go to state and local governments or nonprofit organizations, who then use the money to operate assistance programs locally. USA.gov has information about grants and loans.

Individuals looking for government grants and loans should visit GovBenefits.gov. GovBenefits.gov is the official government benefits web site, encompassing more than 400 federal and 600 state programs funded by various agencies. This site allows you to complete a confidential questionnaire and receive a list of programs that may apply to your situation.

States and organizations looking for grants should visit Grants.gov.

Another source of information is the Catalog of Federal Domestic Assistance, which is a directory of over 15 types of federal assistance, including grants and loans. There are about 1,500 programs listed in the CFDA. Each program has a summary which explains program eligibility requirements, agency contact information, and application instructions. A printed copy can also be ordered.

For further information about grants and loans by category, please visit the following links:

Arts and Humanities

*
Federal Grants for the Arts and Humanities

Business

* Starting or Expanding a Business
* Expanding a Business
* Buying Investment Property

Housing

*
Assistance to Buy a House
*
Assistance with Home Repairs
*
Assistance with Rent Payments
*
Assistance with Mortgage Payments
*
Rebuilding after a Natural Disaster

Medical Needs

*
Assistance with Medical Bills
*
Assistance with Prescription Drugs

Rural Residents

*
Buying and Operating a Farm
*
Crop and Livestock Insurance

Personal Needs

*
Assistance with Utility Bills
*
Help with Consumer Credit

Students

*
Student Financial Assistance
*
Medical School Loans
*
Tuition Assistance - Job Retraining and Vocational Education