Tuesday, January 8, 2013

Grants for Low Income Families

Ever since the economy took a turn for the worse many families had fallen into the low income state. Families that are considered low income can apply for financial assistance from the government. You can find many subsidies and grants that are made available for low income families which would help pay for housing and food. In order to apply for these grants for low income families, you have to know where to look. For families looking for subsidized housing, they may want to look at Section 8 housing.

Section 8 housing is a federal program administered by the states. It provides rental assistance to low-income families through vouchers. The vouchers, provided by the local housing authorities, help families move into homes that are not part of the public housing network. The program helps people move into safe and affordable housing. The Public Housing Act combines housing programs for rental assistance offered by Section 8 into one market-driven program. It improves the tenants’ living standards and gives them more housing to choose from.

Low income families can get help with their energy bills through the low-income home energy program. Families that make less than 150% above the poverty level are eligible for participating in this program. Once the families qualify, this federal grant program administered through local and state agencies will pay for the energy usage of low income families. States may apply for a portion of the block grant to help low income households meet the cost of immediate and emergency household energy bills. The funds are typically given to states depending on the weather and the population where it would most benefit the people.

The Food and Nutrition Service, or FNS helps low income families through the supplemental nutritional assistance program, school meal programs, summer food service programs and other programs. These programs help ensure that low income families get the proper nutrition. The FNS is administered by state, local and community organizations and they help reduce childhood hunger, reduce obesity and help people get to the anti-hunger programs and safety networks. Not only do they partner with the government, the FNS has also partnered with community food banks, faith-based organizations and anti-hunger programs.

Monday, January 7, 2013

Grants for First Time Home Buyers

Owning a home is an American dream but many people are unable to put down money in order to buy a home. Not only is there a down payment, but there are other expenses associated with owning a home such as repairing the home. At times like these, it is crucial for these people to get grants for first time home buyers which would greatly help them fund the purchase of their dream home. Grants are much better than a mortgage because they do not need to be repaid.

It is imperative to know that the federal government does not directly give out grants to people. Instead the federal government gives federal grants to states and cities and they are responsible for giving out the money to the people.

Usually federal grants are geared towards helping the first time home buyer get into their first home.  Since these grants are meant as an aide to buying a home, you should not expect it to cover the entire cost of buying a home.  Rather, these grants would help with closing cost or fixing up the home after you have bought it.  You should probably expect the grants to cover less than 10% of the home's value.

Home buyer grants are typically used for buying a new home, which means there are some rules you have to follow in order to get these funds. One of the rules to getting a grant is that you have to be able to obtain a mortgage.

Also, applicants for first time home buyer grants are expected to complete a class that will help you in becoming a home owner.  These classes must be HUD approved.  These classes will teach you how to get your finances ready so that you can buy your home.  It will also teach you how to budget so that you can keep your household expenses under control.

American Dream Grant

The American Dream Down-payment Initiative (ADDI) was a federal grant program that was signed into law in late 2003 and was expected to run through 2008.  This particular grant was supposed to give out $200 million each year making it one of the most generous grant program at the time.

The ADDI program was created to help low income first time buyers purchase a home by giving them money for down payment, closing costs, and fixing up the home.  ADDI program assistance was limited to the greater of $10,000 or six percent of the home's purchase price.

HOME Investment Partnerships Program

HOME is the largest Federal block grant to state and local governments.  This program was created to help low income families afford a home.  Every year, the HOME Investment Partnership Program distributes about $2 billion among the states and hundreds of other localities throughout the United States.

Households that are eligible for HOME assistance can be different depending on the nature of the funded activity. For rental housing and rental assistance, at least 90 percent of families that will benefit from this grant must have incomes that are no more than 60 percent of the HUD-adjusted median family income for the area. For rental projects with five or more assisted units, at least 20% of the units must have families living in them that have incomes that do not exceed 50% of the HUD-adjusted median. Also, the incomes of families receiving HUD assistance must not exceed 80 percent of the area median.

Other Home Grant Programs

You can get more information on these programs by going to the HUD website. At the HUD website you can find out about the Community Development Block Grants (CDBG), American Dream Down-payment Initiative (ADDI), Emergency Shelter Grants (ESG), HOME Investment Partnerships Program, and Housing Opportunities for Persons with AIDS (HOPWA).

Through HUD you can also find out about other programs offered by state, county, and city governments.  For instance, you can find information on programs like Habitat for Humanity and how to get in touch with them for help.

Thursday, May 5, 2011

School Grants for Women

After I graduated from highschool, I immediately got married to my highschool sweetheart. We started a family and I have been a housewife ever since then. Now that my kids are grown, I have decided to go back to school and get the degree that I have always wanted. The only problem with this idea was that our family does not have the money for me to pursue higher education. My husband works at a low paying job and the income barely supports our household.

I had pretty much given up on the idea of ever going back to school due to our financial situation. Then a friend told me to apply for school grants for women. By applying for these grants, I would be able to get free money so that I can attend college. At first I did not know where to begin to find these grants but my friend told me to search online since there is a lot of information about this. After doing a lot of research, I found several avenues for applying for grants.

The federal government offers grants to those people that want to go back to school and are from low income families. It is called the Pell grant and is based on the income and assets of the family. You can apply for this grant through FAFSA which is the Free Application for Federal Student Aid.

Other than applying for federal grants for women to go back to school, you can also find grants given by private organizations. One of this is the Jeanette Rankin Foundation. This organization awards money to low income women who are at least 35 years old and getting an undergraduate degree.

There are also many grants that are field specific. For example, the Barry Goldwater Scholarship Grant is available for women pursuing majors in science or math. The American Socity of Women Accountants gives grants and scholarships to women who pursue finance or accounting degrees. You could also ask about grants that your specific college may provide.

In the end, I was able to get several grants and scholarships which helped pay the cost of going back to school. The best way to get grants is to apply to as many as possible.

Monday, March 21, 2011

Grants for Senior Citizens

Many senior citizens typically live off of fixed income which makes spending a lot of money pretty tough. Usually you have to keep to a tight budget which does not allow much room for extra spending. One great way of getting some extra money is by getting grants for senior citizens. These grants are given by the federal government and are free for recipients. They are much better than getting loans because you aren't required to pay back the money. There are different types of grants available for different situations. First figure out what type of situation you want the grant for. Then apply for it.

If you are planning on going back to school and getting an education, it is never too late and you are never too old. You can get the Pell grant for senior citizens which would help you to pay for tuition and other school costs. To get the Pell grant you would have to fill out the FAFSA which the government uses to figure out how much money you get. The form will ask you questions about your income and how much assets you have. The less you have the more money you will get from the government.

Another type of grant for the elderly would be the housing grant. These types of grants could help you to make home repairs. For example, if the roof of your home was leaking and you did not have money to make the repairs, you could apply for the housing grant. Other grants in this category could also help you to make down payments on your first home. Check the grants.gov website to search for grants.

Finally, you may want to start a business and need business grants for seniors. You do not always have to look to the federal government for money. You could also research organizations that help seniors in their endeavors. Start with your Chamber of Commerce to find these organizations. If you do a search online you could probably pull up many organizations that will help you.

Wednesday, March 9, 2011

Grants for Immigrants

If you are an immigrant looking to get grants, you are in luck because you are usually entitled to grants that U.S. citizens are entitled too. Immigrants may include Asians, Europeans, Africans, or just about anyone that came from another country and reside in the U.S. To qualify for governments grants you have to be permanent resident. If you are an illegal immigrant, you may not be able to receive a grant.

Before you start applying for grants, you need to figure out exactly what type of grant you want to apply for. There are many grants out there for many different kinds of situations. If you are looking to get training and seek a higher education, then you would apply for the Pell grant for immigrants. These grants are provided to those low income individuals who are unable to afford the cost of college. To get the Pell grant you need to get the FAFSA and fill out that. The form will ask about your income and your assets which the government then uses to calculate the amount of money you will get. The less money and assets that you have, the more grant money you will get. So if you are really destitute, you would get the most amount of money. For those immigrants that make too much money, they would not get any grants at all.

If you are an immigrant that wishes to start a business, then you would need to look specifically for business grants for immigrants. You can find such grants from grants.gov. These are federal level grants. Do not forget that you may be able to find grants at the state level. There are also organizations that will give out business grants too. They may deal specifically with immigrants only. Try to see if you can find these organizations in your city. You can check with the Chamber of Commerce to see if they can help you.

Monday, March 7, 2011

Grants for Felons

You have served your time and now you just want to get on with your life. That is quite understandably but many felons find themselves in a financial situation after they have served their time. Some felons want to go back to school while others want to start a business. Luckily for felons, you can apply for grants for felons which would help you reach your endeavors. Applying for grants should be your first choice rather than applying for loans. This is because loans must be repaid while grants do not.

If you plan on going back to school to get higher education, then you should apply for the Pell grant for felons. You have to fill out the FAFSA in order to get this grant. The grant is given based on your income and assets. The government will calculate your income and assets and determine whether or not you get any money. The amount of money you get also ranges depending on how much money you currently make. There is a question on the FAFSA which asks if you ever been convicted of drug charges. As long as you complete a drug rehabilitation program then you do not have to answer yes to that question.

For felons that wish to start a business, getting capital is a priority. You may want to check out grants.gov to see what types of business grants for felons are available. This database basically has all kinds of federal grants so take your time and find the one for you. Another way of getting grants is by contacting organizations that help felons. The key to getting grants is to apply to as many as you can. In this way you are heightening your chances of getting money.

Finally, if you cannot seem to find money from the government or from organizations, you can always ask your family and friends. Do not discount them just because you know them. They may be more than willing to help.

Sunday, February 27, 2011

Grants for Disabled People

If you are a disabled person you may be able to get some money from the government. The government and other private organizations have thousands of grants lined up for people that are disabled. Before you go off applying for any grant, you need to first think about what type of grant that you are looking for. There are tons of grants out there but they are all specific grants. For example, there are grants that will help you pay for college and there are grants that will help you to start a business.

If you are looking to go back to school, then you would want to apply for the Pell grant for disabled people. This type of grant is based off of your income. The poorer that you are, the more money that you will get. The grant comes from the federal government and to apply you would need to fill out the FAFSA. This free form will ask you about how much income that you make and the amount of assets that you have. It will also ask if your family makes a contribution. All this information is used to calculate the amount of money that you will get. Once you get the grant, you can use it to help pay tuition, books, and other supplies. Before applying for student loans, you should try to get the grant first.

If you are looking to start a business, then you would need to apply for business grants for disabled people. This is a much better option than applying for a business loan because with a loan you have to pay it back. That is not the case with grants. You have no need to pay it back and once you get the money you can use it as you wish. Look on the government grants site for business grants. You can also try to contact some organizations that are willing to help the disabled. Most likely you will have to write a convincing argument as to why you need the grant. There are probably many others that are trying to apply for the same grant. The key to applying for grants is to try as many organizations as possible. You will be more likely to receive money just by throwing out as many applications as possible. To heighten your chances of getting the grant, you could hire someone to help you write the grant proposal.

Wednesday, February 23, 2011

Pell Grants for Black Women

Are you a black woman interested in going back to school but do not have the money to pay for it? If the lack of money is preventing you from going back to school, you may want to apply for Pell grants for black women. The Pell grant is an education grant where the government gives money for you to use on your education.

To get such this college grant, you would have to first fill out the FAFSA. The FAFSA is a form that the government uses to determine how much, if any, money you will get. The form will ask you about your income and also your asset. It will also ask you about your family’s contribution if you are below a certain age. All this information is used to calculate the grant money that you will receive. Obviously, the less money and assets that you have, the more grant money you will get. You should be able to get several thousand dollars from the government which would cover a lot of tuition and other school fees. However, if you feel that you need more money, you could find other organizations that give grants to black women.

Find organizations that support black women online. Do not forget to ask your local church to see if they give out education grants. Most likely you will find some charitable organizations. You will probably need to write some kind of essay describing why you want the grant. Grants from private organizations are usually limited so the competition will be much tougher than getting a Pell grant. Pell grants are guaranteed to be yours as long as your income and assets is within the limit that the government sets. Just be persistent in finding and applying for college grants and you will eventually get some money.

Monday, February 21, 2011

Pell Grants for Single Mothers

Being a single mother can be quite tough. You have to support your kids and also pay for everything without the help of your ex-spouse. But if you want to achieve success in this world then you need to get an education and get a better job. A lot of single mothers would object that getting an education costs a lot of money which is something that they do not have. It is true that education costs money but you could get which would go a long way to helping you pay for tuition. The money comes from the federal government. It is meant to help people that are poor so that they are on equal footing with people that are financially better off.

To get the Pell Grant, you would have to fill out the FAFhttp://www.blogger.com/img/blank.gifSA which would ask your financial information such as income and assets. The government uses this information to figure out how much money they would give you. Generally, the less that you have and the less that you make, the more grant money you can expect to receive. Once you get the money, you can pretty use it on whatever you want. When I received my grant, I used it to pay for tuition and books. I try to save as much of the money that I can. Typically, you could get several thousand dollars per semester and tuition eats up a good chunk of it.

Every year that you want to receive the Pell Grant, you would have to fill out the again. This is because your financial situation may change every year so the government needs to check your income and assets again. I was lucky enough to get the grant for the 4 years of college because my financial situation did not change much. This is a really good program for single moms that want to get ahead.

Friday, February 11, 2011

Pell Grants for Unemployed People

I have worked in the auto industry for 20 years. However, since the industry has gone downhill these past few years, I found myself without a job recently. I was stressed for awhile because I could not find another job. No other auto company was hiring and I could not transfer my skills over to other industries. After trying to find a job for over a year, I decided that the best thing to do was to go back to school and get new skills and training. The only problem with this decision was that I had no money to pay for school. I thought that this idea was doomed until a friend of mine told me that I could apply for Pell Grants for unemployed people to help me pay for school.

I had never heard about this education grant before and my friend explained to me that the government gives out free money for people like me to get an education. There is no obligation either. I would not have to pay back the grant. Once I get the money it is mine to use. I thought this was a dream come true because this was exactly what I needed. To apply for the school grant, I had to go to the FAFSA website and fill out the form. I gave information about my financial situation which includes my income and assets. Since I did not have much to report for income or assets, my friend told me that I would probably get the maximum amount of money. Soon after sending out the information, I got a notice from the government which showed the amount of money that I am going to receive.

With the college grants I could use it to pay for tuition and books. I told me fellow ex-coworkers about this grant and how they could also go to school for free too. Without this grant, I think I would not have had the option of ever getting training.