Asked by: Esperanza Huel | Last update: September 19, 2025 Score: 4.8/5
(69 votes)
The government does not offer "free money" for individuals. Federal grants are typically only for states and organizations. But you may be able to get a federal loan for education, a small business, and more. If you need help with food, health care, or utilities, visit USA.gov's benefits page.
Can I borrow money from the government?
You can find government loans for: Students who need help paying for school. People who want to buy a home or make home repairs or improvements. Small business owners interested in funding their business.
How can I get money if I'm struggling?
Try asking family or friends for help. Sell something you don't want anymore. Get a loan. Take an advance on a credit card. Ask your boss for an advance.
Are there government grants to pay off debt?
Keep in mind that the government doesn't offer grants to help Americans pay off consumer debt from things like credit cards. It does, however, offer financial support for Americans struggling with a range of tough financial situations.
Where can I ask for help with money?
Reach out to local community organizations: Many organizations, such as churches, synagogues, and charities, have programs in place to provide financial assistance to those in need. They may also be able to connect you with other resources in the community.
Free Government Grants For Individuals And Small Businesses (Top 5 Best)
23 related questions found
How to get emergency cash now?
You can get emergency money through a personal loan, credit card cash advance or payday loan. However, some of these options aren't ideal and can cost you a lot of money. You can also consider asking family or friends for money, using a 0% intro APR credit card or tapping into a HELOC.
How can I get money from the government?
Assistance for American Families and Workers
Economic Impact Payments. ...
Unemployment Compensation. ...
Child Tax Credit. ...
EMERGENCY RENTAL ASSISTANCE.
How to get a hardship grant?
The federal government doesn't give hardship grants to individuals. Instead, grants of this nature go to state and local governments, colleges and universities, law enforcement agencies, research labs, nonprofit organizations and businesses.
Who can help me with money urgently?
If you need to borrow money fast, you can apply to your local credit union to find out what sort of loans and interest rates are available. Our guide Borrowing from a credit union can help you find out how it works and how to find one.
Who can give me money right now?
I need money now.Where can I borrow from fast?
Emergency credit. We do not recommend payday loans or other forms of high-cost credit. ...
Credit unions. Credit unions are local, member-owned alternatives to banks. ...
Grants. ...
Trust funds. ...
Help from your local council. ...
Track down money you have missed out on.
How to get a hardship loan?
How to get a hardship loan
Review your credit. Read your credit report to see what a lender will see when you apply. ...
Calculate your monthly payment. ...
Pre-qualify with multiple lenders. ...
Prepare your documentation. ...
Submit the application and get funded.
What free stuff can I get from the government?
Find government benefits and financial help.
Food assistance.
Health insurance.
Housing help.
Help with utility bills.
Welfare and financial assistance.
Social Security.
Government checks and payments.
How do you get money when you desperately need it?
How to get money fast
Sell something. If you have unused items sitting around your house collecting dust, you could turn them into cash. ...
Pawn something. ...
Sell unused gift cards. ...
Access your paycheck earlier. ...
Take on a freelance gig. ...
Try pet sitting and dog walking. ...
Babysit. ...
Ask for a loan from a family member or friend.
Is there really a government debt relief program?
When it comes to credit card debt relief, it's important to dispel a common misconception: There are no government-sponsored programs specifically designed to eliminate credit card debt. So, you should be wary of any offers claiming to represent such government initiatives, as they may be misleading or fraudulent.
What is the easiest loan to get approved for?
Some of the easiest loans to get approved for if you have bad credit include payday loans, no-credit-check loans, and pawnshop loans. Before you apply for an emergency loan to obtain funds quickly, make sure you read the fine print so you know exactly what your costs will be.
Can I borrow from my social security benefits?
Can You Borrow from Social Security? Not anymore. A provision that was discontinued in 2010 allowed you to collect benefits at 62, then repay the loan at 70 and re-file for the higher benefits you receive at that age.
How can I get emergency money right now?
While there's no easy fix for this type of situation, there are a few paths that you can consider:
Use your emergency savings. ...
Use available credit responsibly. ...
Ask for a gift or loan from someone close to you. ...
Apply for a credit card. ...
Apply for a loan.
How to get immediate funds?
When unexpected financial needs arise, you can use these 8 practical ways to get emergency money quickly.
Personal Loan. ...
Emergency Fund. ...
Borrow from Family or Friends. ...
Sell Unnecessary Items. ...
EPF Advance. ...
Loan Against Property. ...
Cash Advance on Credit Card. ...
Short-Term Loan.
Is there anyone willing to help me financially?
Your local 211 agency has the most up-to-date information about local assistance that may be available to you. If you prefer to talk to someone, you can always call 211 to get connected to a local specialist. Simply call 211 from a cell phone or landline to speak with a live, highly trained service professional.
Do you pay back hardship loans?
Unless it's a forgivable loan or grant, you'll still need to pay it back. Some types of hardship loans come with higher interest rates. You may not qualify if you don't meet credit requirements.
How to ask for financial help?
5 Tips for Asking for Financial Help
Figure out Your Needs. You'll feel more comfortable asking for help when you have a clear picture of your needs. ...
Ease into It.
Explain the Stakes. What will happen if you don't get financial help? ...
Have a Plan. ...
Be Gracious.
What qualifies as financial hardship?
The IRS may agree that you have a financial hardship (economic hardship) if you can show that you cannot pay or can barely pay your basic living expenses. For the IRS to determine you are in a hardship situation, the IRS will use its collection financial standards to determine allowable basic living expenses.
Is there a way to borrow money from the government?
The government does not offer "free money" for individuals. Federal grants are typically only for states and organizations. But you may be able to get a federal loan for education, a small business, and more. If you need help with food, health care, or utilities, visit USA.gov's benefits page.
How to ask for grant money?
5 Steps on How to Ask for a Grant
Find matching grant prospects. ...
Visit the website of your targeted grantors from time to time. ...
Call the person in charge to confirm your eligibility. ...
Prepare a grant proposal or letter of intent. ...
Follow the grantor's application process exactly.
How can I get cash today?
Traditional fast cash methods
Personal loans. A personal loan is money you borrow from a bank, credit union, or online lender and repay in fixed installments. ...