While the government doesn’t hand out “free money” to individuals, there are federal loans and some grant programs that can help with specific needs such as education, starting a business, or disaster recovery.
If you’re struggling to afford food, health care, or utilities, visit USA.gov’s benefits page to find programs that can help.
Beware of “Free Money” Scams
The government does not offer grants or payments to individuals for personal expenses like bills or shopping. If someone claims otherwise, it’s likely a scam.
Learn how to recognize and report grant scams.
How to Apply for a Government Loan or Grant
- Government loans are available for:
- Education (like federal student loans)
- Housing (such as FHA loans)
- Starting or expanding a business
- Federal grants are usually awarded to:
- States, nonprofits, universities, or local governments
- Not typically to individuals
Understand the differences between loans and grants and how to apply.
Home Buying Assistance
Looking to buy a home? You may qualify for:
- First-time homebuyer programs
- Down payment assistance
- Government-backed mortgage loans
Explore housing assistance programs.
Start or Grow a Small Business
The federal government offers:
- Small business loans
- Business planning resources
- Local support and mentorship
Learn how to start and fund your business.
Disaster Relief and Emergency Aid
If you’ve been affected by a natural disaster, you may be eligible for:
- FEMA disaster relief
- Temporary housing
- Emergency repair assistance
Student Loans and Financial Aid
Planning for college? You can apply for:
- Federal student loans
- Grants like the Pell Grant
- Work-study programs and scholarships