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Government Grants and Loans

Learn about government grants and loans for states and organizations. The government does not offer "free money" for individuals. If you are seeking help, please visit our Benefits page.

to the Federal Trade Commission. 

The government does offer federal benefit programs designed to help individuals and families in need become self-sufficient or lower their expenses

Đang chơi bài (CFDA). You can also .

Who can get a grant?

Đang chơi bàiThe federal government awards grants to organizations including:

  • Đang chơi bàiState and local governments

  • Đang chơi bàiUniversities

  • Đang chơi bàiResearch labs

  • Law enforcement

  • Non-profit organizations

  • Businesses

The intent of most grants is to fund projects that will benefit specific parts of the population or the community as a whole. What you might see about grants online or in the media may not be true. The federal government does not offer grants or “free money” to individuals to start a business or cover personal expenses. For personal financial assistance, the government offers federal benefit programs.  These programs help individuals and families become financially self-sufficient or lower their expenses.

Search and Apply for Federal Grants

Đang chơi bàiTo search or apply for grants, use the federal government’s free, official website,. Commercial sites may charge a fee for grant information or application forms. Grants.gov centralizes information from more than 1,000 government grant programs. It's designed to help states and organizations find and apply for grants.

  • Eligibility - .
  • How to apply - . And, learn how to .
  • Email notifications - Sign up to .

"Free" Grants and Grant Scams

Đang chơi bàiIf you receive information stating you qualify for a "free grant," it's probably a scam. to help you learn to recognize and avoid grant scams. If you have been a victim of a grant scam, you can . 


Contact your state consumer protection officeĐang chơi bài if you have purchased a book or paid a fee to get grant information and are not satisfied.

Government Loans

Learn about the types of federal loans, how to find them, and how to qualify.

What is a loan from the federal government?

Government loans serve a specific purpose such as paying for education, helping with housing or business needs, or responding to an emergency or crisis.

Loans are different than grants because recipients are required to repay loans, often with interest.

Examples of Government Loans

Đang chơi bàiThe federal government offers several types of loans, including:

Search for Government Loans

Đang chơi bàiUse the federal government’s free, official website, , rather than commercial sites that may charge a fee for information or application forms.

GovLoans.gov directs you to information on loans for agriculture, business, disaster relief, education, housing, and for veterans.

  • Eligibility - Use the .
  • How to apply - Each loan program has its own application process.
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Đang chơi bàiLast Updated: May 6, 2020

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