Living in the United States seems to be getting more and more difficult every day. Despite claims that the economy is rising, the cost of living continues to rise and countless people struggle to find work. Even those who are employed are still having a hard time making ends meet, due to the low wages and the constantly increasing cost of healthcare, food, shelter, and other basic necessities.

What is a Personal Grant?

If you are one of the millions of Americans who are struggling to make ends meet, take comfort in knowing that there may be options available to you that can provide the financial assistance that you need. The United States government, as well as several non-profit organizations provides financial aid for qualifying low-income families. These programs help those who qualify afford the cost of basic necessities, such as food and housing.

The goal of these assistance programs is to help relieve the financial burden that weighs so many families down so that they can recover from their financial hardships. What’s more; the grant money that is offered by these programs never has to be repaid. The moneys offered by these programs not only helps families in need, but also boosts the economy, which is a win-win for everyone.

If you are struggling financially, here’s a look at some of the different grant options that may be able to provide you with the assistance you need if you are eligible

Federal Grants Programs

The federal government offers a wealth of grant options for families that are facing financial hardship and in need of assistance. Some of the different federally funded grants that are available include:

  1. Grants for veterans, such as VHA Primary Care, VHA Community Living Center, and Specially Adapted Housing Assistive Technology Grant Program
  2. Education grants, including Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOG) and Teacher Education Assistance College and Higher Education (TEACH)
  3. Housing and Urban Development (HUD) grants
  4. Food and nutrition grants, including Food Bank Grants, Child Hunger and Nutrition Grants, and Home-Delivered Meal Grants
  5. US Department of Health and Human Services (HHS) grants
  6. Grants for the disabled
  7. Small business grants

These are just some of the different types of federally funded grants that are available. To find out more information, including eligibility requirements and how to apply, visit Grants.gov. Here, you’ll find a fully list of federally funded grants that are available.

Other Grant Options

In addition to federal grants, there are several grants available that are sponsored by not-for-profit organizations. Many for-profit businesses also offer grants and other forms of financial assistance to those who are facing economic hardships.

To learn more about the different types of non-federal grant options that are available, visit cof.org, the Community Foundation Locator, which can direct you to foundations that offer grant programs in your local area. Another option to look into is the Foundation Center (foundationcenter.org), a detailed website that provides information for both American and international grants.

Applying for Grants

There are literally countless grant options available for those who are in need of financial assistance. From food and housing to education and small business assistance, the options seem to be endless; however, in order to receive funding from these grant programs, you must meet stringent eligibility requirements. For that reason, it’s important that you take the time to fully research the grants that you are considering.

Once you have found a grant that you are interested in and have determined that you are eligible, you will need to apply for funding. To do so, contact the agency that sponsors the grant you are interested in and request an application; many grant providers offer access to their applications right online, too. Read through the application thoroughly to ensure that you fully understand all of the details that are required. Also, make sure you find out the deadline for the application. If you miss the deadline, if you fail to fill out your application properly, or if you do not provide the necessary documentation, your grant request will be denied. In order to avoid problems, fully reviewing the application and all of the details that are highlighted is pertinent.

Grant Proposal

In addition to filling out an application and providing documentation, you may also be required to submit a proposal (depending on the type of grant you are applying for). A proposal further clarifies your eligibility; it also allows agencies to see what you plan on using the money that you are granted (if it is granted) for. If you do need to submit a proposal, you can find examples online or you can work with someone who specializes in grant proposals; there are several organizations and professionals that provide this type of assistance. You can also look for assistance at your local library, which will likely carry a wealth of useful resources.

It’s important to remember that even if you do qualify for a grant and provide all of the necessary documentation, there’s a chance that you will not receive the funding. Like you, many other people are also seeking grant funding and organizations award moneys to those who are the most qualified. Do note, however, that if you do not receive funding on your first attempt, you may be able to apply again in the future.

In Conclusion

Economic hardship affects people of all ages, genders, races, religions, and even socioeconomic statuses. If you are struggling financially, you may be able to receive the assistance that you need to overcome your crisis. There are a variety of federally funded and non-federally funded grant options available. If you are thinking about applying for a grant, make sure that you complete all necessary applications and issue all required documentation. Additionally, it’s important to find out the deadline for filing; it’s a wise idea to send in all of the requested information well in advance of the deadline so that, in the event that a problem arises, you can take care of it before the deadline approaches.