29 November 2016

Get Free Pell Grants For College Students Pay For Higher Education

Apply for the Federal Pell grant and get free money from the government to pursue your dreams of higher studies.
Aspiring students from low income families often give up their dream of higher education and of enrolling in a college to continue their studies due to the dearth of money. Higher education can be really expensive but it offers an independent and financially stable life. The government has initiated the Federal Pell Grant that funds for educational expenses, enabling meritorious needy students to attain college degrees. Read on and apply soon for monetary assistance.

Essential Points for Pell Grant
The Pell Grant is a need-based grant awarded to low income undergraduate students pursuing their postsecondary education. To be entitled to the grant, students should not have a professional degree or a bachelor’s degree. Students can use the grant to seek education in one of the recognized 5,400 postsecondary institutions. They must fill the Free Application for Federal Student Aid (FAFSA) for the Pell grant and later the U.S. Department of Education determines the financial need of the applicants based on the information provided.
pell grants for college education
The Pell grant funds can be received from only one school at a time. Each participating school receives the required Federal Pell grant funds from the U.S. Department of Education for their eligible students.
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For the award year 2016-2017 i.e. July 1, 2016, to June 30, 2017, the amount for the Pell Grant is $5,815. The grant amount to be awarded is based on 4 essential points:
Student's expected family contribution (EFC) or your financial need
Cost of attendance
Student's enrollment status; whether it’s a full-time or part-time course
Whether the student will be attending a full academic year or less than a year
The Eligibility Criteria for Pell Grant
There are certain essential eligibility factors that are taken into consideration before a Pell Grant is given. Let’s have a look:
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The first list comprises of all important factors that is necessary
Must have a GED or high school diploma
Must be eligible to enroll in a certificate/degree program
Should have a valid social security number
Sign FAFSA that states (a) you don’t owe any refund money or default student federal loan (b) you will make use of federal money for education 
Have satisfactory school progress report
The grant must be used for educational purpose only and students must sign a document stating that
Any ONE of the factors in the second list is needed
Must be a U.S. citizen 
Should have a green card
Should have a battered immigrant status
Should possess arrival departure record
Should have T-Visa
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Pell Grant Fund Application
Once the FAFSA is filled either the institution receives the Institutional Student Information Record (ISIR) or the student receives the Student Aid Report (SAR) that confirms the eligibility of the student for the Pell grant. The Pell grant can be specially used only for expenses related to academics which include school fees, tuition, board, room (if the student stays on the campus), purchasing textbooks, transportation, classroom supplies and sometimes food.



Tags- college grants, pell grants for college, grants for higher education, grants for low-income people, grants for single moms, grants to pay college bills, grants for personal bills.
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22 November 2016

Free Housing Debt Relief Grants For Senior Citizens To Pay Off Bills

Senior citizens struggle to pay off their housing rents that often lead to heavy debts and due bills. The federal government, state agencies and nonprofits hence offer debt relief housing grants to ward off homelessness and evictions. The grants help in offsetting the debts and offer subsidy plans for affordable accommodation facilities. Let’s have a look at the housing debt relief grants.
HUD Section 202 Supportive Housing for the Elderly Program
HUD provides affordable housing facilities to low income senior citizens in an environment with support facilities like transportation, cleaning, cooking to help them reside independently. The complete construction and acquisition of the housing structures are financed by HUD. The 202 Supportive Housing program provides rent subsidies and rental funds to pay for the difference in rent amount paid by the tenant and the operating cost of the project.
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The eligible applicants for the housing program are the nonprofit consumer cooperatives and the private nonprofit organizations. The eligible customers for the program are the very low-income households who have at least one member of or above 62 years during the occupancy.
The application process is administered by the state and county offices and the funds are later allocated to the local charities and nonprofits. Check for the Notice of Funding in Grants.gov and send an application in its response to applying.

Public Housing
Public Housing programs offer safe and decent housing facilities of different sizes and types to eligible applicants like senior citizens, disabled people, and low income families. Applicants who have lower income limits of 80% and very low income limits of 50% of the median income may get housing grants. However, the income limits can vary according to areas. Contact the local HA or the HUD field office.
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The Housing agency will determine the eligibility factors for applicants which are:
Must be U.S. citizen or have legal immigration status
The annual gross income is determined
Need to qualify as person with disability, senior citizen or family
Housing Debt Relief Grants For Senior Citizens
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Housing Choice Voucher Program
The HUD offers safe and decent housing facilities to low and very low income senior citizens through the Housing Choice Voucher Program. Applicants can find their own housing of choice outside subsidized housing projects like townhouses, single family homes, apartments, but it must meet the stated program requirements and HUD safety standards. Housing choice vouchers, administered by the PHA and funded by HUD, are given to eligible applicants to look for housing.
The PHA directly pays the housing subsidy to the landlord on behalf of the applicants or families. Later the families pay the remaining amount to the landlord that was not compensated or subsidized by the program.
USDA Section 515 Multi-Family Housing
The USDA offers subsidy programs for affordable living conditions for senior citizens. There are more than 15,000 complexes in the rural areas of the 50 states that are offered to low income seniors at subsidized rates. The income limits can vary according to location and area.
Non-Profit Organizations
Nonprofits and charities like Fannie Mae, Mercy Housing, Salvation Army, Habitat for Humanity, American Red Cross, and community agencies also offer housing facilities to senior citizens.
Research well and start applying now for the senior citizen housing grants.




Tags- grants for bills, grants for low income, grants to pay rental bills,debt relief grants,housing grants, grants for senior citizens, money grants for utility bills, home buyer grants.
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20 November 2016

Free Grants Help Pay Off Telephone Bills-Apply For Money Online

Start applying for the grants and benefit programs and pay off your telephone bills without worrying about financial problems
Telephones or mobile phones are now an essential need for communication for all but the monthly bills or recharge rates for cell phones are expensive enough to afford. Low income families with their meager savings and income levels might struggle to pay off the bills or even keep a telephone connection. To extend support states, government and local authorities offer telephone assistance programs to help needy customers. Let’s have a look at the different telephone grants available for you.
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Telephone Assistance Program: there are telephone assistance programs from the federal government that can assist low income families to pay their telephone bills. The grants are disbursed by the states and granted to applicants receiving SNAP, LIHEAP, Medicaid, TANF, SSI, housing benefits. The telephone programs are separated into two components

Lifeline: it’s a government benefit program administered by the Federal Communications Commission’s Universal Service Fund. Below a certain income level customers are eligible to get discounted telephone or cell phone services. The discounts are however not applicable for special phone types like Caller ID or Call Waiting or for long distances. Subscribers now receive monthly discounts for purchasing telephone services from participating providers. The eligibility for Lifeline services is either income based or program based.
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grants to pay telephone bills
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      Once you qualify for Lifeline these are the steps to get your discount services:
  • first, make a selection of a phone company
  • fill the phone company application form providing the important details
  • your identity will be verified by the company and then you will get enrolled
  • recertify every year to continue getting services
LifeLine is soon to be modernized to provide discounted broadband to its subscribers.
Link-up: another federal program, it provides a discount for the telephone or cell phone installation charges for deprived families. Eligible families can get up to $30 discount for the setup. Customers can also borrow the balance amount for a year in case the setup fees exceed $30 which is interest free. Contact your state or local organization for the benefits.
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Free Mobile Phones: if getting a telephone service seems unaffordable you can use mobile phones. Seek help from the state social service agency for donated mobile phones. Nonprofit organizations like Secure the Call, HopeLine, U.S. Cellular, Phone 4 Charity and others also offer donated cell phones to the needy, victims of domestic violence and single mothers. Few also offer free shipping. 
Local Telephone Companies: monetarily crunched families can also get assistance from local telephone companies for their installation charges and monthly telephone bills. Companies offer plans, installation payment schemes, discount programs etc to help pay the bills over a period of time. Customers can also use pricing plans that are less expensive.
States and counties may also have special plans to offer zero percent interest loans, reduced setup fees or programs to avoid deposit charges. Research well and get the best plan or grants to pay your telephone bills.



Tags- Grants for bills,for single moms,for senior citizens,debt relief grants,for low income,pay utility bills,home buyer grants,financial assistance.
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18 November 2016

Financial Assistance To Pay Off Your Monthly Expenses And Bills

Get your grants and get financial assistance to pay off your monthly expenses and bills with ease.
Many low income families struggle hard of pay off their bills for monthly expenses. The meager income levels and low savings pose a big challenge in fulfilling the basic needs. Federal grants and assistance from nonprofits are available to help such distressed families to meet their needs and cover up the expenses.
Read on to know about the varied grants available for your needs.
Cable TV Bills:  Television is an effective means of entertainment and knowledge, especially for children. With time it’s become an important need but the cable bills can be expensive to pay off. Well, if you are running short of money contact your cable companies to avail special plans, discounts, installment payment schemes, installment programs and monthly cable payment schemes.

Telephone Bills: telephone is an essential means of communications but the installation fees, monthly charges, mobile recharging can be expensive for low income families to afford. The federal government, nonprofits, telephone companies and cell phone companies offer payment schemes, discount plans, installation plans and free services to help pay off bills and dues. Look for assistance from Linkup, Lifeline and nonprofits like HopeLine, Secure the Call, Phone 4 Charity, U.S. Cellular.
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Water Bills: water is a prime requisite for all but many needy families struggles hard to pay the monthly water bills. Well, there are water companies, federal grants, and nonprofits to offer help with all financial problems, due bills, and payment issues. The American Water Corporate, the largest U.S. water company, offers payment plans, installment programs, discounts and credit plans for eligible low income families. The Low Income Payment Program and H2O Help to Others Program are also available for assistance.
grants to pay your monthly bills
Home Rent: paying off monthly home rent can be intimidating for low income families with limited earnings. Thousands of families face the risk of getting evicted and becoming homeless for their overdue rents. The federal government and nonprofit organizations extend housing support and financial assistance to needy families. Get home grants from HUD, US Department of Agriculture, CDBG, Salvation Army, Habitat for Humanity, Fanie Mae, Mercy Housing, American Red Cross, CoAbode, United Way to pay off your monthly rents.
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Food and Groceries: though the food is a daily necessity there certain monthly necessities like cereals, milk products, pulses etc. Deprived families can get help with grocery bills from grocery vouchers, discount cards, food vouchers, government food stores and food grants like SNAP, Emergency Food Program, School Lunch and Breakfast Assistance Program and The Emergency Food Assistance Program. You can also get rebates, coupons, special discounts and products on sale from food banks and pantries. Also, seek help from nonprofits if in the emergency situation.
Utility Bills: grants are also available for utility bills, weatherization, and up-gradation for energy efficiency. States, government, nonprofits and local communities financially support needy families with grants like LIHEAP Crisis Program, LIHEAP Grant, The Weatherization Assistance Program and HEAP. Even utility companies offer cash grants, restructuring of payment plans and benefit programs to compensate utility bills. Low income families can also avail summer and winter protection plans and programs and get free heating oil.
The list can be endless. If you are stuck with your monthly expenses apply for the grants to pay off bills.



Tags- grants for bills, financial assistance, grants for low income individuals, grants for low income,for single mothers, grants for disabled veterans, debt relief grants.
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16 November 2016

Free Grants Help Pay Water Bills-Need Money For Paying Bills

Fresh, clean water is the basic necessity of all but huge water bills can be a challenge for low income families. To avoid disconnection of water facility and to help clear bills water bill companies, nonprofits, and local governments offer grants, discounts, benefit programs, easy payment plans and installment programs. Contact the water companies or apply for federal/ state grants for assistance with water bills.
Water Bill Debt Relief Programs
The Low Income Payment Program (LIPP): financially crunched families can receive assistance from the LIPP representatives to plan their payment and pay water bills in installment or in credit form over a period of time. Eligible customers may also get monthly discounts for their wastewater and water charges from the LIPP Assistance for Low Income Customers program.
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grants to pay water bills
There are certain eligibility criteria, income limits, total monthly household income limits and family size to apply for the program. The criteria and the cash grant amount may vary according to states and areas they reside in. Call the LIPP customer service before the due date for help with water payment.
American Water Corporate: it is the largest US water utility company, founded in 1886, that serves more than 15 million people. The company has its presence in more than 45 states and operates in different states like Texas, Florida, New Jersey, Massachusetts, California, and Pennsylvania. Families facing financial crisis can seek assistance through varied payment plans, payment schemes, installment programs and resources to pay off their water bills and debts. People need to contact the American Water customer service before the due date for help.
H2O Help to Others Program: low income families are eligible to get a monthly discount for their water bill charges. Customers having annual household income below 150% of the Federal poverty guidelines are eligible for the wastewater and/or water discount program. The H2O grant program offers 3 services:
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Qualifying applicants get a one-time cash grant of $500 to pay off a portion of their monthly water bill.
Applicants can also get 80% discount for monthly service fee
Offer education and water saving devices
For wastewater there are 2 services available:
Every year grant amount up to $500 is given
A discount of 15% on the wastewater charges
However, if the grant money is not sufficient enough to pay the entire due bills the remaining amount is payable based on the income limits of the family members. To qualify for the H2O Help to Others Program applicants must have the stated monthly income that is variable according to states and area rules in which they reside. To avail grants, customers must contact before the due date. Contact Dollar Energy Fund for more information.
Nonprofit Organizations: assistance may also be available from the nonprofit organizations, charities, accredited institutes, and other government or local programs. Nonprofits like Salvation Army, American Red Cross, Net Wish offer financial assistance to pay off bills and dues, helping to retain water services and facilities.
Call your water service provider or the service department if you are falling behind on your water bills. Research well about varied alternatives, plans or installment options available and apply today for the grants for water bills.
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9 November 2016

Financial Help For Low Income Families To Pay Off Your Due Bills And Debts

Apply for grants today and get financial help to pay off all due bills and debts and stand back on feet.
Low income families often run the risk of monetary crisis leading to heavy debts. Grants are given to offer financial support and backing to meet the primary needs and pay off due bills. Emergency funds are also granted for immediate assistance. Look for grants from the federal government, state and local governments, charities, nonprofits and local agencies and get rid of all due bills and debts.
Families at poverty level struggle hard to get affordable shelters and pay off their rents. Evictions and homelessness have been on the rise for families at poverty level. Grants from the federal government are made available to such homeless families to prevent evictions and foreclosures and help them pay off long due bills and debts.
grants to pay home energy bills
Housing grants like HUD, USDA Rural Housing, Transitional Housing Assistance Program, Housing Choice Voucher Program have helped many homeless families find shelter. In 2016 few recent housing grants have been allocated- State Home Buying Assistance Programs, New Housing Trust Fund, and state grants.
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Low income families often require assistance for their utility bills. Utility expenses can be expensive and nonpayment can cause disconnection of services. Grants are allocated by the government and utility companies for assistance for bill reduction, energy efficiency, weatherization, offsetting cooling and heating expenses and covering up the dues.

Utility grant programs like Weatherization Assistance Program, Low Income Home Energy Assistance Program (LIHEAP) Grant, LIHEAP Crisis Program, Home Energy Assistance Program (HEAP) offer monetary assistance. Even utility companies offer help through programs like Payment Restructuring, Free Energy Audit and Water Bill Programs.
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Help Pay Home Repair Bills
Home repair grants are essential for better safety, security and easy accessibility. Remodeling or modifying the houses incur huge expenses that are unfeasible with shortage of funds. The government, nonprofits, local communities, counties and agencies award grants, emergency aid and funds to fulfill home repair needs. Now pay off your home repair bills with grants like Single-Family Rehabilitation Program, Urgent Repair Program, Displacement Prevention Partnership, Rebuilding Together,Your local Aging and Disability Resource Center, Weatherization Assistance Program, HUD, and CBDG.
Pay Off Medical Bills
Medical necessity cannot be overlooked but the expenses can be unreasonably high to afford. Families facing medical debts can avail grants to pay off their bills. Free checkups, monetary support through Medicaid, Medicare, CHIP, help from state and local governments, Health Resources and Services Administration medical programs, free clinics and assistance from nonprofits are available for disadvantaged families to pay off their medical bills and debts.
free medical grants for low income people
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Daycare Expenses
Single or working parents remain out of home for long hours to earn for the family hence they require safe daycares but that can be very expensive. Daycare or childcare grants have been initiated to monetarily support families. Grants like Head Start and early Head Start, Child Care Subsidy program, Local Department of Health and Human Services have helped thousands of families find affordable childcare for their children.
Financially crunched families may find assistance from nonprofits, community agencies, churches, local communities and state governments to meet their emergency needs. Apply soon for your grant programs and clear off due bills and debts.



Tags- free grants,Low income housing grants,pay rental bills,low income utility grants,for energy bills,pay off medical bills,low income home repair,debt relief grants obama,single moms,pregnant women low income.
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7 November 2016

Free Debt Relief Grants For Low Income Individuals To Pay Off Bills

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