Hardship and Personal Grants Help With Bills For Women
Do you need personal grants help with bills due to the current economic downturn? Do you have to choose between paying the mortgage, credit card debt, groceries, rent, utilities, or medical bills? Some of the possible causes of your financial problems could be: a layoff at your company, car problems, medical bills, etc.
The good news is that today there are government agencies and private organizations designed to provide short-term help so you can get help with bills. Factors such as age, income, whether you have children, etc. determine your eligibility.
Personal Grants Help With Bills
Before you consider getting a loan or looking for other resources to help pay your bills or upcoming projects, consider applying for a personal grants help with bills. These are funds provided by various government agencies and private foundations that can help you get the money you need.
Personal grants help with bills help people pay off debt, start a business, go back to school, and even buy their new home.
While each grant has certain qualification requirements, there are numerous programs that offer personal grants help with bills. Many of these programs do not require income verification, a credit check, or any type of down payment.
By searching an online grant database, you can identify the programs that are currently available and find out which ones you are most likely to qualify for.
The biggest difference between a grant and a loan is that you never have to pay it back. But unlike loans, each grant that is made available only has a certain amount of money available.
Once those funds are released, it can take a long time before the program is reimbursed and available again. That’s why it’s important when searching for personal grants help with bills money to make sure the database you access is up to date.
What Personal Grants Help With Bills Are There?
There are many different personal grants to pay bills which you can apply for depending on your situation and the reason you are having a hard time paying your bills. Some are intended only for those from low-income families, while others cover various groups of people in need. Here are some of the best options to consider if you want to apply for personal grants help with bills for assistance with housing bills:
- Operation Round Up
- Net Wish
- The Low Income Home Energy Assistance Program (LIHEAP)
- Supplemental Security Income (SSI)
- The Child Care and Development Fund
Operation Round Up
This charity program is offered by many utility and electric companies across the country. Your utility company might have a different name for it, but how it works is the same in all states.
As the name suggests, the idea behind this volunteer program is for people who are financially stable to agree to have their bills rounded up to the nearest dollar. While that’s typically 50 cents a month, it adds up in the end, allowing the program to help numerous families in need.
Since the funds raised just from customers are not always enough to cover those in need, many utilities and local businesses are doing their part. After all, tens of thousands of people benefit from Operation Round-Up every year.
Net Wish is a nonprofit organization that offers free grants to help those struggling with their bills, basic everyday expenses, and emergency expenses. Families with children and the elderly are their top priority. Other vulnerable people who are facing financial problems may also be eligible for this organization’s cash grants.
You should know that they do not award the scholarship directly to the eligible applicants. You pay the money to the medical provider, the utility company, or whoever the applicant in question owes the money for unpaid bills. Since free scholarship funds are limited, they offer a maximum of $200 per request.
The Low Income Home Energy Assistance Program (LIHEAP)
This grant program is designed to help low-income families who cannot afford to meet heating and cooling energy costs. The Department of Health and Human Services funds the states’ LIHEAP grants. Each state has specific eligibility requirements that applicants must meet. This means that the level of income that is considered low enough to qualify for the personal grants help with bills may also vary from state to state.
Supplemental Security Income (SSI)
The Supplemental Security Income program provides cash grants for the disabled to pay bills. It aims to help older people with low income, limited resources and limited or no ability to work. Applicants under the age of 65 and persons with short-term disabilities are not eligible for SSI.
SSI is primarily focused on providing assistance with food, shelter and clothing. Even though the program is not specifically designed to provide help with utilities and other monthly expenses, those who receive the personal grants help with bills are allowed to spend the money on whatever they need.
The Child Care and Development Fund
The Child Care and Development Fund provides assistance to low-income families so their children can access childcare. In this way, the program helps parents who have to go to work or go to school.
To be eligible for this grant, you must be the parent of a child under the age of 13, or under the age of 19 if unable to support yourself. Family caregivers are also eligible if they meet the other requirements. Personal Grants for single mothers are also available for needy moms. The grants are income-dependent, which is why proof of low income is a further requirement for eligibility. Applicants must be either employed or enrolled in an education or training program.
Should I Apply For Personal Government Grants?
Personal grants help with bills are primarily earmarked. Most people use them when they need to buy a new house or vehicle, or repair their existing home. Other reasons why people also use them are the following:
- Mortgage payments
- Credit card bills and debt
- Property taxes
- Legal Services
- Holiday trip
You can also apply for a personal grants help with bills and medical bills, although this is a rarer scenario. The previously listed programs are more appropriate if you are struggling with your monthly expenses.
6 Ways To Get Free Money From The Government
Government money has helped many during the COVID crisis, but there are also financial aid programs for everyday needs.
Whoever said, “Nothing in life comes for free,” didn’t consider government programs that help people pay for things like college, daycare, and a new home. It certainly doesn’t hurt to explore your options.
Free Money From The Government
Free money from the government took on a new meaning in 2020 and 2021 with the issuance of significant COVID relief. While much of the pandemic-related relief effort has ended for now, other day-to-day government programs are available to those in need. But unlike the stimulus checks that were automatically issued during COVID, you have to seek out and apply for these financial grants.
Most of these programs are funded by taxes, so technically you’re paying something, but it’s as close as you can get to finding free money from the government.
1. Get Help With Utility Bills
Need help paying your heating or phone bill? These programs can help:
- The Low Income Home Energy Assistance Program helps low-income households meet heating and cooling bills. Grants are awarded through states funded by the Department of Health and Human Services. Each state sets its own eligibility requirements, including income levels.
- The Lifeline Program offers discounted phone or Internet service. You must meet certain eligibility requirements.
2. Find Money For Child Care
Day care is a major expense for many families. According to the Economic Policy Institute, a nonprofit that focuses on low- and middle-income workers, annual infant care costs range from just under $5,000 in Mississippi to more than $22,600 in Washington, D.C.
The Child Care and Development Fund can help provide relief to low-income families. The fund, administered by the US Department of Health and Human Services, gives states, territories and tribes money to distribute to families to pay for child care. The grants are income-related and usually cover childcare for children under the age of 13. Find the Child Care and Development Fund contact in your state.
3. Recover Unclaimed Money
This isn’t so much free money, it’s money owed to you. It could be a long-forgotten utility deposit, a lost savings bond, unclaimed life insurance benefits, or an uncashed paycheck.
These unclaimed funds are turned over to the state when the owner cannot be located, often due to a clerical error or due to companies having an old address on file. Visit unclaimed.org, a website affiliated with the National Association of State Treasurers, to find out if you have money waiting to be claimed.
In fiscal 2020, more than $2.8 billion of previously unclaimed property was returned to owners, with an average claim payment of approximately $1,600.
4. Get Down Payment Assistance
You want to buy a house but can’t afford the down payment. Get government down payment assistance. These grants and loans help you cover the initial cost of buying a home.
In Nevada, for example, prospective homeowners who qualify can pay a fee and receive a personal grant of up to 5% of their home loan value to help fund a down payment and closing costs.
Aid is not reserved for low-income borrowers. For state loans, the Nevada grant program is available to individuals with annual incomes of less than $105,000.
5. Find Health Insurance Tax Credits
Individuals and families who purchase health insurance through the government health insurance marketplace (HealthCare.gov) may qualify for a credit toward their insurance premiums.
The premium tax credit can be paid directly to your insurer, lowering your monthly payments.
6. Apply for College Grants
College grants, like the Federal Pell Grant, can make it easier to pay for college. Students who are eligible for the Pell Scholarship could receive up to $6,495 for the 2022-23 award year.
The exact amount awarded is based on factors such as financial need, cost of participation, and enrollment status. Students can apply for the Pell Grant by completing the Free Federal Student Aid or FAFSA Application. The application is also used to qualify for many government and institutional grants and scholarships.
Other Federal Scholarships For College Include:
- The Federal Supplementary Scholarship.
- The Teacher Education Assistance for College and Higher Education Grant.
- The Iraq and Afghanistan Service Fellowship.
You can also look for college scholarships the US Department of Labor’s grant search tool.
Watch Out For Scams
While there are ways to get free money from the government, there are also grant scams that claim to give you free money from the government in hopes of stealing you. Do not be fooled. The government rarely reaches out to people with offers of free money, and when they do, it never does so through social media.