17 hardship grants to provide you with fast cash In life, a person faces many phases of life some are good and easy to come through. But some phases are hard and difficult to overcome from them. The main problem is created when a person faces a financial crisis in his life and he does not afford to buy a simple thing for themselves. That phase of life is too hard.
Many times a person did not get help from any source, and when they did not have a job or work to earn money then it creates more problems for them. That’s why the government is always ready to help its citizens. For this, the government comes with different kinds of grant programs that can help them. The government also has hardship grants that provide fast cash to needy people who are struggling with the financial crisis. One can look for those grants and apply for them to get hardship grants.
However, you can also apply for emergency hardship financial aid and get help from the government with free money. You can see that there are numerous hardship grants are mentioned below that are offered by the government to their citizens to overcome their financial crisis. These hardship grants are available for senior citizens, disabled people, students, women, kids, low-income families and individuals, and other needy people. You can look for them and apply for them if you meet their eligibility requirements.
Lets’ look at those hardship grants that are offered by the government and from them, you will get fast cash.
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Federal Hardship Grants Provide You Fast Cash
If you are a person who is suffering from financial issues, then you can look for various things that can help you. But the most important thing, you can look for government assistance. It is because the federal government always comes with different grant programs that offer various kinds of assistance and help you to pay or manage your expenditures. The federal government also comes with grant programs that offer help to people with financial help in their hard times. In short, those assistances work as the bridge to fill up the financial gaps.
But not everyone or any organization or institution can get these grants from the government. Only a few specific organizations or institutions qualify for the actual “grants”. Those institutions may include non-profit organizations, universities, state and local government, research labs, and others. Apart from this, personal grants are more essential assistance programs for individual and low-income families. With these grants, they can stand on their feet and get help to manage their expenditures with these types of grants. So, technically not these grants but you can use these programs as financial assistance and get help to handle the financial needs that you need in your day-to-day life.
You can read continue and find many federal government assistance grant programs. The grant programs are designed to help low-income families and individuals and offer them help in their hard times of life. The best thing about the grant programs is these grants help them to lower their monthly expenses and they did not need them to pay back.
Federal government programs that help with bills and everyday essentials for low-income families and individuals
There are lots of grant programs available that can help low-income families and individuals to get financial help. You can find a wide variety of grants. Let’s continue and know about them:
If someone wants to find affordable housing, then one can also get help from HUD. Because HUD helps low-income people to find affordable housing so that they can live there with peace and did not face any issues while living there.
Low Income Home Energy Assistance Program (LIHEAP)
LIHEAP is the best and too much helpful assistance program for people who did not afford to pay their utility bills. This is the federal government-funded program, that comes to help people with their utility bills, heat and cooling appliances, and also when they face shut off the utility or energy. Even this is not enough here for this assistance program, as from this program one can also get help with low-cost home improvements to increase the efficiency and lower overall utility bills each month.
This LIHEAP program is developed by the Department of Housing and Urban Development to help people who are needy and low-income. Although, they also offer help to people with rent and mortgages as well. But this type of help them offer only in a few and rare cases.
Thus if someone needs help to pay their utility bills, or rent then they can look for this assistance program and get help in their hard time with this assistance program.
Unemployment Assistance from State and Local Government
Even one can also get unemployment assistance. If someone loses his or her job and when they have not any fault, then in that condition they will be eligible for unemployment assistance. When a person is qualify for unemployment assistance, then a portion of his last salary will transfer to their bank account. But this amount depends on various factors. From the bank account, you can use the money as usual or can credit it as you want.
However, to provide this assistance to unemployed people, each state has its website, where they outline the terms and conditions to get this assistance. But here one thing that one has to keep in his or her mind is that they have to continue searching for the job. When they start to receive the benefits from the assistance program, they have to actively look for a job, as unemployment assistance is temporary assistance. That’s why you have to look for the job because you did not get assistance from this program continuously.
The Small Business Association (SBA)
The Small Business Association provides various types of business grants. Even these grants not always be financial hardship grants. However, the grant funds may differ on various basis and demographics, and situations. You can get help for a small business grant from this program.
Human/Social Services Agencies
Human or Social Services Agencies are the ones that one can find in each state with ease. These agencies help people to connect with state-funded assistance programs. Along with this, they also provide help to connect with government grants, non-profits, and also to other grants so that more and more people can get help from them and they did not face more financial issues to meet their needs.
Temporary Assistance for Needy Families (TANF)
TANF is the most used and widely known assistance program that is offered by the federal government. This is an assistance program that helps low-income families and individuals with lots of things. Such as providing cash assistance, food assistance program (SNAP and WIC), transportation expenses subsidy, utility coverage, medical bills, and lots of other expenses costs that one need to face in their daily routine life.
Workforce Investment Act
This is the program that is supported by the federal government. This program funds through the United States Department of Labor. With this program, everyone gets help for job training and learning. The best thing about this program is that one can learn things for getting a job whether they are from any field. Thus, if you want to get help to get a job in any field then you can get help from this assistance program.
Making the Most Out of Tax Benefits
There is another way to get the most out of your income is to make sure that you apply all the tax credits that you need. Here are some examples of Tax benefits such as the Child Tax Credit, American Opportunity Tax Credit (AOTC), The Earned Income Tax Credit (EITC), Armed Forces Tax Credits, and some others.
Medicaid and CHIP
Medicaid is the healthcare that offers help people to pay their medical bills. Medicaid is a federally funded program that offers help to low-income families and individuals. Even CHIP is the also same as Medicaid. But CHIP offers help to those who are under 18 years. With the help of these assistance programs, one can get help to pay their medical bills when they need it urgently or when they face an emergency to get medical treatment. These assistances help them to pay for their medical bills. Even with Medicaid and CHIP assistance, one can also get help with prescription costs. So, if one needs help with emergency medical bills, then they can look for Medicaid and CHIP assistance programs.
Financial Hardship Grants for Military Members and their family
Some grant programs are designed to help military veterans and their families. Let’s see those grant programs and get help from them.
If you or any of your family members are veterans then you can look for federal government grants. Because the federal government has various types of grants that can help you pay for many expenses. However, many of those grants have come from the Department of Veteran Affairs (VA). Like, one get help is various type of expenses such as education, retirement, healthcare, life insurance, housing costs, job training, military child assistance, caregiver support, legal and financial support for veterans, and lots of other grant programs that are offered for military family members.
All those grants are available for helping them via federal programs. Thus, if you want to get help from those grant programs then you can contact to Department of Veteran Affairs. You will get information from there to know about how to apply for the grant program, how you can get benefits from them, and other related information.
Personal Hardship Grants for Senior Citizens and The Disabled
Now, many grant programs are specially designed for senior citizens, disabled people, and their caretakers. It is because all these are people who are low-income or don’t have any income source. That’s why they face financial issues in each step to meet their basic requirements. That’s why the federal government comes with grant programs that can help them financially and meet their needs. Lets’ look at those hardship grant programs that can help them.
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Medicare is the health insurance that offers help to low-income people and families. Medicare is the federally funded program that offers help with low-cost health insurance for senior citizens who are 65 and older. With the help of Medicare, you can get help to pay the medical bills, get the best medical treatment, pay for prescriptions (Medicaid D), and lots of other medical-related issues. Thus this is helpful for senior citizens to pay for their medical bills and get better treatment. So, they did not worry about their treatment cost when they need the treatment for their health problems.
Social Security Benefits
The eligible people will get benefit from this. These are funded by Taxes and allocated into a trust fund. These are the Social Security benefits that are given to only people who are eligible for this. Each year when a person works, then he or she earns the credits for their work. Those credits they can use once a time when they are close to their retirement. However, Social Security Benefits are available for retirees, who have any disability. Also for those who are surviving dependents of deceased workers. Thus they can get help from the social security benefits and get help to manage their financial expenses.
Although, there is supplemental security income (SSI) that also falls under social security benefits. These are focused on adding support for those in specific circumstances. But for this, they have to check how they can apply to get help with money from the benefits and how they will be eligible to get it.
Student Hardship Financial Grants
There are lots of students who are low-income and they need help to pay for their education costs. If you are also a part-time or a full-time college student and need help paying for education expenses, then you will get help from the U.S Department of Education. They offer hardship grants for students.
These government hardship grants offer to fund tuition fees, books, dorm costs, and lots of more college expenses. However, grants are different from student loans or financial aid from the government. Because those aids you need to pay back, but the grants you did not need to pay back. Here are some of the major types of student grants that are available that are provided by the U.S. Department of Education, only to help students. So, if you are also a student then you can read continue and look at those grants that are offered for students from the federal government.
Federal Pell Grants
Federal Pell Grants are the ones that offered help to students. But the students who did not complete any college education and are in exceptional financial need, those students are eligible to get this grant.
Iraq and Afghanistan Grants
To get this grant, you will be eligible, if your parent or guardian was a member of the armed forces and died in Iraq and Afghanistan after 911. Not only this but some other requirements are also available that one has to meet with them to qualify for this grant. One of those requirements is your age at the time of your parent or guardian’s death and also a time of enrollment in college. Thus, to get help with this grant you have to first check for the requirements of the grant program and if you met with them then get assistance from them.
Federal Supplemental Educational Opportunity Grants (FSEOG)
There are lots of students who want to study but because of their financial condition, they did not get proper education and leave their education when they are in school. But now, one does not need to leave his or her education, because he or she can get an education grant. They can apply for FSEOG and get help to pay their education fee.
This grant they can make in a year anywhere that ranges between $100- $4000. However, these grants are provided by the U.S. Department of Education. They provide these grants to various schools, and the funds become on a first-come and first-serve basis. If you want to get this education grant, then you can contact your financial aid office at your college or university. They will tell you that the school participates and also about the funds that are left for aid. If they have any then they will help you.
Teacher Education Assistance for College and Higher Education (Teach) Grants
If you want to get the Teacher Education Assistance for College and Higher Education grant then you need to meet with eligibility requirements of the grant program. You have to meet specific service requirements. Also, you have to meet with pursuing a career in teacher requirement of the grant program. But in any case, if you don’t meet any of the requirements of this grant, then you have to pay back the grant amount. That’s why first check that you will meet the requirements of the program.
COVID-19 Impacted Grants From the Federal Government
Everyone knows and understands very well that because of pandemics lots of issues are created in everyone’s life. The whole world has to face problems because of the COVID-19 pandemic. Even still the United States and the world facing medical and financial crises continuously. That’s why the government comes forward to help the citizens in the pandemic time and try to lift them from the impact of the pandemic. For this, the federal government provides grants, assistance, and resources to people who are eligible for their requirements. Some of the grants are mentioned below:
COVID Hardship Grants
There are lots of grants available that can help people. These grants are given to people and businesses, organizations, and non-profits who are affected by pandemics and are not in the condition that they can handle their expenses and other costs that are basic for them. Here are grants that are available for all kinds of expenses and needs.
Thus you can apply for personal grants, business grants, non-profit grants, and lots more grants. You can apply for any kind of grant from the coronavirus aid grants website and look for the grant that you need and then apply for that.
Where can I search for Federal Grants for Emergency Financial Assistance?
As you see that there are numerous types of grants are available to help people even they need any kind of help. But in any case, you are not eligible to get help from the above-mentioned grant programs, then no worry. It is because these are only a few grant programs that are mentioned above. You can visit the Grants.gov website and look for any kind of grant and assistance program there. You can see that there are lots of grants are available just for a single need but with different eligibility requirements. However, you can also use the filter on the website to search for the specific grant program. Like, you can use filters for eligibility requirements, categories, agencies, and lots more. All these filters make your search easier and help you to find the most suitable grant for you rapidly.
For people who are suffering from a financial crisis, it will be enticing to get “free money from the government” or “free money for a grant.” It is because of the money they will get from the government as a grant they did not need to repay it. They can use the money to fulfill their basic needs.
But the bad thing is that scammers take advantage of this opportunity by setting up fake grant scams and people will stuck in them. But you have to keep one thing in your mind while you are looking for grants, that the federal government never provides funds directly to their citizen. Thus if any website claims that government provides funds directly to people then it is fake.
IF you are really in need and need the funds urgently then you can look for the Grants.gov website. As it is the official website of the government where all kinds of grants are available for needy people and for suffering the website, people did not need to pay anything. It is completely free.
Non-profit organizations and Hardship grants to provide you emergency financial assistance
However, the government comes with lots of grant programs to help needy people, but it is not sure that these grants are helpful for everyone. Because it is also possible that all grants are not helpful for all kinds of people. Thus some people are not qualified for government financial assistance because of their age, income, geography, and other reasons. If you are not qualified for government assistance programs and hardship grants then no worry because non-profit organizations also offer help to people and provide them financial grants as well.
You can look for non-profit organizations as well that may be private foundations or public ones. These non-profit organizations also work for the betterment of the people and help them to meet their financial needs. They support and provide money to families and individuals who are in difficulties and need money now to handle them. However, local churches, charities, and local community organizations also offer help with financial assistance to needy people. So that each needy person can get some relaxation and did not face more financial crisis.
Below, you will find some of the non-profit organizations that are ready to help low-income families and individuals with some particular form of economic hardship. Let’s look at them:
There are many essential expenses in your life such as food, clothing, transportation, and utility bills. But you cannot afford these expenses, so you can get help from several organizations such as Net Wish, The United Way, National Assistance League, The Red Cross, 1-800-Charity Cars, Catholic Charities, Jewish Federation of North America, Feeding America. With the help of these organizations, you can get help to afford your daily expenses.
Medical bills for you, a loved one, or a pet
If you are suffering from any disease and need help to pay medical bills then you can contact these organizations such as Caring Bridge, American Veterans Relief Foundation, Life Beyond Cancer, The ASPCA, The Human Society, Children’s Healthcare Fun (CHF). With the help of these organizations, you can get help to pay your medical bills.
Here are many organizations that provide a job through job programs. If you want to get a job then you can get help through those job programs that are run by these organizations such as The YMCA, Dress for success, Urban League.
There are a lot of organizations that can help you to pay the housing rent, moving costs, mortgage payment. These organizations are Salvation Army, Operation Homefront, Mercy Housing, Home Sharing, Habitat for Humanity. With the help of these organizations, you can get help to pay your housing debts, rent.
All these are just some examples of some popular and well-known charity organizations that offer help to needy people and families. You can also search on google and also make the call to your local social service agencies that can help you deeper and provide you assistance and grant according to your need. You can get help with personal grants, local charities, and other private assistance programs and get help from them.
Consider privately funded and government loans to provide you fast cash
You can also look for privately funded and government loans as well. For example, if need money urgently and you don’t have time to look for grants, meet eligibility criteria, and apply for them, then in that case you can take loans or funds. You can take emergency hardship loans from private and also government agencies. Even unlike the government grants, you have to pay back the loan amount on time and also along with the interest. This will be too helpful and the best option for those who need money urgently. The good thing about loans is that if someone handles them correctly and the loan will also be helpful for people in their financial crisis. But for this, the first one has to proper plan to handle them, so they can pay the installments on time.
As you read that there are government-funded loans are also available or can get loans from private companies. But when you look for the two factors that are the most important that they determine before providing the loan amount and that is your income and credit score.
However, bad credit check loans and no credit check loans are also available that are worthy for people. Although it finds that loans are not provided any kind of relief to people who did not have money and need it most. That’s why fewer people think about the loan. However, it will only be a viable option for people to meet their instant financial needs.
Now, you read that there are numerous types of grants are available from the government. Even government also offers hardship grants to low-income families and individuals. You need to look for those grants as well as for their eligibility requirements. One needs to meet the eligibility requirements to qualify for the program. That’s why again and again it is suggested to people that they first check for the eligibility requirements of the grant program for that they want to apply.
However, the government has grants for every citizen such as for disabled, senior citizens, children, women, low-income individuals, students, medical patients, veterans and their families, and lots more people. So that everyone can get help from the government grants and they get some relaxation in their financial issues. Thus, if you also want to get help then you can apply for a government grant and free money from them.
Frequently asked Questions
Here are many questions that can help you to solve your queries. You can read those questions and also their answers to get help from them:
How one can get a hardship grant from the government?
If someone is facing a financial crisis in his life and needs money to overcome this, then you can apply for hardship grants from the government. You can look for the various kind of grants that are offered by the government to help the citizens. The best thing about government grants is that you did not need to pay back them. You can use the money to pay for medical bills, to buy groceries, to pay educations fees, and for lots of other things for that you need money.
Can senior citizens get financial aid from the government?
Yes, senior citizens also get help from the government. They can apply for the financial aid grant program and get help. The financial aid they will get from the government can be used for their medical treatment, to meet their daily routine basic needs, and can also use for their betterment.
Who can apply for hardship grants from the government?
One who meets with the eligibility requirements of the hardship grants can apply for the government grant. One needs to check for the eligibility criteria of the grant program when he is thinking about applying for hardship grants from the government. The better thing is that he can visit the official website of the grant program and check for eligibility requirements there. If he finds that he will fulfill all requirements then apply for hardship grants.
Can a person get help with medical bills?
There are lots of people who are suffering from medical issues. Sometimes they are unable to pay the medical bills, because of their low income. But when they need the treatment urgently and don’t have money then they can apply for an emergency medical bill grant from the government. They get financial aid to pay for the medical bills. Or can also apply for Medicaid or Medicare to get benefits for medical bills and get proper treatment.
How does a student get help for his or her education fees?
Although government also offers help to students who want to pursue their degree courses and want to become successful in their life. Even government did not offer the grant amount directly to the students. For this, they have to contact the financial aid department of their college or university. From there, they will get information for which assistance program they can apply and get help to pay for their education fees. Even students can also apply for Pell Grants that are specially designed to help students and provide them help to handle their education expenses.