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Learn about government grants and loans for states and organizations. The government does not offer "free money" for individuals. If you are seeking help, please visit our Benefits page.
The federal government does not offer grants or “free money” to individuals to start a business or cover personal expenses, contrary to what you might see online or in the media. Websites or other publications claiming to offer "free money from the government" are often scams. Report them to the Federal Trade Commission.
The federal government typically awards grants to state and local governments, universities, researchers, law enforcement, organizations, and institutions planning major projects that will benefit specific parts of the population or the community as a whole.
Use the federal government’s free, official website, Grants.gov rather than commercial sites that may charge a fee for grant information or application forms. Grants.gov centralizes information from more than 1,000 government grant programs to help states and organizations find and apply for grants.
Government loans serve a specific purpose such as paying for education, helping with housing or business needs, or responding to an emergency or crisis.
Loans are different than grants because recipients are required to repay loans, often with interest.
Examples of Government Loans
The federal government offers several types of loans, including:
Use the federal government’s free, official website, GovLoans.gov, rather than commercial sites that may charge a fee for information or application forms.
GovLoans.gov directs you to information on loans for agriculture, business, disaster relief, education, housing, and for veterans.