21 Programs For Free Grant Money For Bills And Personal Use

Last update:

Are you searching for ways to handle personal financial needs without accumulating debt? One option you can explore is securing a grant for yourself. These grants are designed to assist individuals in the United States facing economic hardships. 

They aim to provide financial relief and support individuals in meeting their financial obligations. Fortunately, both state and federal grants, as well as loans, are accessible for those struggling to make ends meet. 

If you’re curious about where to apply for and receive free grant money for bills and personal use, you’ll find all the information in this article.

An Overview Of Free Grant Money For Bills And Personal Use

Government aid programs like healthcare subsidies and incentives for small businesses are familiar to many. However, it’s essential to know that the government also offers grant money that can be used for personal purposes, including paying bills. 

This grant money, provided by private foundations and the federal government, is free and doesn’t need to be paid back. Unlike other government grants with specific restrictions, free grant money for bills and personal use offers more flexibility. 

Grants are a valuable resource for those in financial need, as they differ from loans and don’t require repayment. While public funds are often allocated to institutions like universities and hospitals, individual grants and government assistance are also available at the federal level. 

When To Apply For A Free Grant Money For Bills And Personal Use?

Instead of doing without or taking on debt, you might use the money from a grant for your bills and other personal expenses. Some financial aid is allotted to help with necessities like buying clothes and books for kids. Some are created to back up substantial financial commitments like a home purchase.

Consider applying for a grant if you need financial assistance. In contrast to payday loans and installment loans, Personal gifts do not incur exorbitant interest fees. 

Since applying for a government grant doesn’t cost anything, you only have to lose the time and effort it takes to complete the application. But keep things from changing very soon. Remember that the government is your counterpart. As a result, you should expect some red tape.

Ads claiming federal grants from the government are a much safer alternative to pricey loans, and the application process may take longer than going to the payday lender down the street.

Best Free Grant Money For Bills And Personal Use 

List Of Government Grants For Bills

Stress levels can skyrocket when money is tight. If you struggle to make ends meet, free grant money can be a lifesaver. Thankfully, some government initiatives grant money at no cost to those who qualify.

Explore some of the fantastic no-cost funding opportunities now accessible.

1. The Low-Income Home Energy Assistance Program

To help low-income families pay their energy costs, the federal government established the Low Income Home Energy Assistance Program (LIHEAP).

HHS (United States Department of Health and Human Services) manages the program. Saving money on heating bills is a major benefit of this program, especially in colder months. 

HHS has income requirements for participants. Your energy supplier must be a LIHEAP participant. Include your recent utility bill as proof of income. When accepted for LIHEAP, you’ll receive a lump sum payment for energy costs. 

You may qualify for supplementary aid with a bigger payment to your utility company. The payment helps cover your remaining year’s energy bills. LIHEAP is a lifeline for those struggling financially, keeping homes warm and safe during colder months.

You might also like:

2. The Weatherization Assistance Program

Low-income households and individuals can receive assistance from the government through the Weatherization Assistance Program. The initiative offers no-cost energy efficiency upgrades like insulation, weather-stripping, and caulking.

Energy audits, repairs, and replacements of appliances, windows, and other energy-saving solutions are available through the Weatherization Assistance Program (WAP), helping households and individuals save money. 

WAP provides LED lights, programmable thermostats, and energy-efficient appliances as energy-saving devices. Only eligible households (with an annual income below 200% of the poverty level) will be offered weatherization services.

3. The Tribal Weatherization Grants Program

To assist Native American tribes in lowering their energy expenses, the federal government funds the Tribal Weatherization Grants Program. The US Department of Energy manages a grant program for weatherization initiatives by indigenous communities. 

Donations fund insulation, air sealing, heating/cooling systems, and other energy-saving upgrades. Eligible groups include recognized Native American tribes, Alaska Native Villages, Regional Corporations, and intertribal organizations. 

Federal grants applicants must demonstrate financial need, provide a strategy for fund utilization, and adhere to a reasonable deadline. Projects must meet strict Department of Energy requirements to receive funding.

4. The Community Services Block Grant

The U.S. Department of Health & Human Services offers the Community Services Block Grant (CSBG) program, financing states, local governments, and nonprofit groups to assist low-income individuals and families become more economically stable.

The money from the grant can be used for a wide range of things like housing, food, healthcare, and transportation. Childcare subsidies, adult education, food and energy aid, and training for new jobs are all supported by CSBG.

The grant’s eligibility standards are different in each state. Contact your local human services organization to determine if your area participates in CSBG and how to apply for funding.

5. The Emergency Food And Shelter Program

The federal government’s EFSP (Emergency Food and Shelter Program) is there to help people financially when times are tough.

Essentials like groceries, rent or mortgage, public transportation, and child care are paid for under this program. The money can also go toward things like urgent medical treatment and medication.

6. Temporary Assistance For Needy Families

Low-income families can apply for help with expenses through the Temporary Assistance for Needy Families (TANF) program. The goal of this program is to help low-income families that have kids become self-sufficient.

Monthly cash assistance may be provided to eligible households to assist with the cost of necessities like food, shelter, utilities, and clothing. Several factors, including family size and income, will determine the exact amount of the benefit.

List Of Government Grants For Individuals

It’s been hard to get free money for a long time. The current economic climate has increased the demand for assistance among individuals and families. To help with this, the government provides financial aid through grants and loans.

1. Free Loan Grants

First-time homebuyers can get assistance from the Federal Housing Agency (FHA) with zero-interest loans. Discounted second home loans with payments being forgiven, postponed, or subsidized until the home is sold are what financing for a down payment scheme offer.

2. Hardship Grants

Through hardship grants, the Office of Family Assistance (OFA) assists low-income households with kids who are becoming financially stable.

3. Internal Revenue Service

Those eligible and filing their tax returns receive a cash reward from the Internal Revenue Service (IRS). Even if you don’t owe any income taxes, you may be eligible for a larger refund by applying for and receiving refundable tax credits.

4. Apply For Personal Grants Online For Free

Numerous websites exist solely to provide people with free online resources to apply for a personal grant. Please carefully review all instructions and requirements for the program you are applying to.

5. Social Security Disability Insurance 

 Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) assist individuals who meet our disability requirements. Before applying, familiarize yourself with the basics and gather the necessary information. 

SSDI benefits you and eligible family members if you have worked and paid Social Security taxes. SSI benefits adults and children with qualifying disabilities, limited income, and resources. 

You can receive monthly benefits if you meet the nonmedical criteria and have a medical condition expected to last at least one year or result in death.

You might also like:

Free Government Money For Low-Income Families

Need help making ends meet and assistance with bills or other expenses? The government may give you money to cover your costs for free. If your family is low on cash, the government offers several grants and loans specifically for those in your situation.

To begin, federal grants provide numerous accessible funding options. If you fall into the category of having little financial assistance or resources, you may be eligible for one of these federal grants.

1. Pell Grant

If your child plans to attend college soon, have them fill out the FAFSA (Free Application for Federal Student Aid) at Fafsa.gov to be considered for the Pell Grant. Although the virtual financial assistance advisor may initially seem scary, it may be helpful.

Actual people at the Federal Student Aid Information Center can answer your questions. For the 2022–2023 school year, your child may be eligible for a Federal Pell Grant worth up to $6,495. 

2. Supplemental Security Income (SSI)

Low-income and resource-constrained children and adults benefit from this government-funded, interest-free grant money for bills and personal use. The Social Security Administration controls the program but does not use Social Security funds to pay out benefits.

3. Aid to Families with Dependent Children 

The Aid to Families with Dependent Children (AFDC) program was established in 1935 under the Social Security Act. It provided cash welfare payments to needy children who lacked parental support for various reasons. 

All 50 states, the District of Columbia, and U.S. territories operated AFDC programs. States had the authority to determine eligibility criteria, benefit levels, and income/resource limits within federal guidelines. 

Federal grants were provided to states based on matching rates linked to their per capita income. States were required to offer aid to eligible individuals within the federal guidelines.

How To Get Free Grant Money For Personal Use?

It’s easy to qualify for a grant and utilize it for bills or other personal expenses. Government and non-profit organizations are generous, so applying for federal grants is simple.

Some common places to look for free grant money are listed below. 

1. Housing Bills

Families needing rental assistance can apply for the Section 8 Housing Choice Voucher Program through the Department of Housing and Development (HUD). This no-strings-attached grant money can be used for rent and utility payments.

2. Grocery Bills

Families with low incomes can get aid in buying food through the Supplemental Nutrition Assistance Program (SNAP). A benefits card can be used just like cash at any store or market, and it’s completely free money from the government.

3. Energy Bills

Free grant money is sometimes available to help low-income families pay their gas and electric bills. The federal government’s DHHS funds state government agencies’ websites, which may provide financial assistance and aid to low-income families.

4. Internet Bills

The federal government offers the Lifeline and Affordable Connectivity Programs to assist low-income families in paying their internet service provider fees.

5. Medical Bills

Medicare and Medicaid are government health programs that help low-income households pay for medical treatment. Medicare and Medicaid Services funding will be distributed to all 50 states.

6. Repair Bills

The Weatherization Assistance Program (WAP) offers no-interest loans to homeowners so they can make necessary repairs and energy-saving enhancements to their homes.

7. Water Bills

The Low Income Household Water Assistance Program (LIHWAP) offers personal grants to help pay water and sewer bills to low-income households. It has the potential to provide up to $5,000 in aid.

Now that you know where to go for free grant money, you can stop stressing about money and start taking action on your financial situation.

How to Obtain Forgiven Government Funds?

Simple grants are available from the government that you can use if you need access to no-interest funding. There are few opportunities to receive grant funding or government loans with no repayment requirements.

Individuals can use grants as a source of free funding. This is free money given to people who are having financial difficulties. A place to live, medical care, schooling, and other costs are primarily covered by the government of the United States, although local and state authorities also assist.

Individuals can apply for free grants online by filling out a request and uploading any supporting materials.

Another option for obtaining free money via federal agencies is to take out a low-interest government-funded loan. The free money from one of these loans might be put on anything from schooling to a home purchase to medical bills.

The interest rates on these loans are typically much lower than those of conventional bank loans.

Last but not least, qualifying individuals or families with exceptional needs may apply for a $7,000 government grant. These grants are often not repaid and are awarded on a first-come, first-served basis.

Tips For Applying For Free Grant Money For Bills And Personal Use

Find Funding

Grants can come from various sources like organizations, governments, and institutions. Look for ones that align with your venture or funding needs.

Check Eligibility

Grants have requirements for applicants and projects. Make sure you meet the criteria or convince the grant committee that you do. Some grants have specific objectives they can be used for.

Define Goals

Clearly outline your project’s goals. This helps you understand your project better and create a compelling proposal. Include SMART goals and discuss how you’ll monitor progress.

Follow Instructions

Pay attention to eligibility, location, and the funder’s interests. Read the prompts carefully and provide the requested information. Plan your grant proposal according to the funder’s guidelines.

Beware of Scams

Be cautious of scammers promising free money in exchange for personal information. Genuine government programs rarely offer funds through social media. They aim to assist those in need and promote financial independence.

Follow Up

Grants.gov will email you within two business days to confirm receipt and validate or reject your application due to technical issues. Stay informed about the status of your submission.


Free grant money to coordinate federal financial assistance can be helpful for people who are having trouble making ends meet by paying their bills or covering other personal needs.

Assistance is available through the Community Services Block Grant, the Emergency Food and Shelter Program, the Low Income Home Energy Assistance Program, and the Tribal Weatherization Grants Program.

If you qualify, these options can be a lifesaver in helping you pay off debt and cover other necessary expenses.

It’s crucial to seek out local groups and investigate your possibilities if you’re experiencing financial difficulties. Obtaining a grant for no cost can be a literal lifesaver.


What is a USA funding application?

USA Financing Applications is a portal for more than 20,000 financing opportunities, such as a few personal grants, grant proposals, all in one convenient online location.

How can I get funding for an NGO in the USA?

Non-governmental organizations (NGOs) are free to take funding from any level of government, including local, state, federal, and even international levels. They can collect membership fees and sell products legally because they are charitable organizations.

Where is the best place to search for grants?

Grants.gov is the place to look for federal funding options that can help your organization with the creation and administration of government-funded programs and projects. Visit Benefits.gov for details on government programs that provide financial aid to individuals. Do You Meet the Requirements for Government Grants?

Photo of author
Sabrina is a former campaign manager who has decided to focus her effort to help people contact senators and get help. She leads our Editorial Team with Ronald and Lawrence to curate content and resources that help us navigate the system.

1 thought on “21 Programs For Free Grant Money For Bills And Personal Use”

Leave a Comment