How to Get Free Grant Money for Bills and Personal Use?

Millions of people face plenty of hardships when it comes to sustaining their daily needs. Such difficulties have been further amplified ever since the pandemic started, with people losing their jobs left and right. Because of this unpredictable yet unfortunate occurrence, many are stacked with a multitude of problems concerning health, food, and other basic necessities. Many are also turning towards debt, taking out large loans that they’re unable to pay back.

Like most, you may have also experienced an instance where you’ve hit rock bottom and have no one and nothing to turn to. For this, you don’t need to resort to taking excessive debts or even carrying the burden all by yourself. Fortunately, there are various federal grants for individuals, which basically serve as free grant money for bills and personal use. These grants are typically government-sponsored and are offered to ease your financial worries and burdens.

With plenty of personal grants and more that you can avail of, you can sleep stress-free while knowing that you can pay for your bills or daily essentials and live a peaceful life with your family by improving your current circumstances.

What is Personal Grant?

Personal Grants refer to monetary awards that the federal government and private foundations distribute to various individuals. This can also be considered free grant money for bills or personal use and can be highly beneficial for people who require extra assistance when it comes to their finances.

Recipients don’t typically acquire debt when receiving grants because these act as free money from the government and aren’t needed to be paid back at all. Unlike other government grants like Housing Grants or Business Capital Grants, Personal Grants cover a much wider ground because they aren’t as restrictive as the former examples. This basically means that you can utilize Personal Grants for whatever you want since you’re really not required to use them for a specific reason.

By applying for personal grants, you’ll be able to alleviate stress, start anew, and even improve the current disposition of your life. However, while the prospect of federal and personal grants seems easy, the challenge is applying for one.

free grant money for bills and personal use

For this, you’ll need to know some ways you can get free grant money for bills and personal use, so you’ll know where to go in case you’re stuck in a hard situation.

Getting free Federal Grants for Individuals

The government is more active than ever in providing federal grants for individuals in need. To date, it has already distributed approximately $162 million to low-income families and to every person who requires it. Because of this, many have had the chance to start fresh and alleviate the hardships they’re currently facing.

Grants usually come in the form of programs. Because of that, you’ll need to seek the right grant that can best provide your needs by looking through what each program offers. These personal grants often range from college grants, daycare grants, COVID relief grants, grants for utility bills, and plenty more.

The Best Ways Get Free Grant Money for Bills and Personal Use

Here are some viable ways and grant programs you can apply for to get grant money for your needs and personal use;

1) Utility bills assistance

If you need assistance with paying your phone, electricity, or water bills, then here are some programs that can help you with that:

  • The Lifeline program: offers discounted internet or phone service. Before applying for this, you must meet the eligibility requirements that they have set.
  • The Weatherization Assistance Program: under the supervision of the Department of Energy, also helps in lowering gas and electric costs while improving the efficiency of homes.
  • The Low Income Home Energy Assistance Program: extends help to low-income households to specifically aid them in their cooling and heating costs. Grants under this program are often issued through states that acquire funding from the Department of Health and Human Services. Similar to the Lifeline program, each state also has its own set of eligibility requirements, such as income levels.

2) Free Money for DayCare costs

Child care is considered a major expense for families alike, with costs ranging from $5000 in Mississippi to a whopping $22 900 in the state of Washington. Based on the Economic Policy Institute, these costs usually strain families’ budgets, especially those comprising middle and low-income workers.

For this, you can turn to The Child Care and Development Fund to help with daycare costs. This program is administered by the Department of Health and Human Services that provides tribes, territories, and states with free money to disseminate to families in need to help pay for daycare. These grants are typically income-based and can cover assistance for children under the age of 13.

3) Unclaimed Cash or Money

You can also get free grants through money that has long been owed to you but remains unclaimed. Unclaimed money can come in the form of a forgotten deposit, uncashed paycheck, unclaimed insurance benefits, or even a lost savings bond. In fact, there was about $3 billion of unclaimed property returned to owners during 2019, with a mean claim payment of around $1,780.

Unclaimed funds are often passed on to the state when owners of the unclaimed money aren’t located. This usually happens because of clerical errors or companies having an outdated address on the respective file.

To check if you have unclaimed money, you can check out, which is a site linked with the National Association of State Treasurers or check out our guides to find unclaimed money.

4) Seek Assistance for Down Payments

Here’s the situation: you’re looking to purchase a home but couldn’t afford the down payment that comes with it. You don’t need to worry; personal grants in the form of down payment assistance can help you cover the immediate costs of buying a home.

For example, prospective homeowners in Nevada who are eligible can pay a required fee and then acquire a grant of about 5% of the value of their home loan to put for closing and down payment costs. For government loans, Nevada offers a grant program that those with a yearly income of below $98 500 can avail of.

Low-income families are usually the ones who can readily and easily qualify for down payment assistance. They also come in different forms, such as:

  • Deferred Payment Loans: These are 0% interest second mortgages that you don’t need to pay back unless you refinance or sell the property.
  • Grants: These refer to no-strings-attached cash that you don’t need to repay.
  • Forgivable Loans: These are 0% interest mortgages that you don’t need to pay back, given that you remain in the house for a certain period.

5) Search for Tax Credits for Health Insurance

While there is the Affordable Care Act, its future remains murky and uncertain at best. However, plenty of premium tax credits issued through the program is still accessible and free for all.

Here, families or individuals who purchase coverage through the government’s health insurance marketplace have the chance to qualify for a credit that can be put toward their insurance premiums. This credit can be directly paid to your insurance provider, thereby decreasing your monthly payments.

6) Find College Grants

Students who are planning to enroll in college may be hindered by the staggering amount of tuition fees they have to pay. College grants, however, are available to remedy that. Grants such as the Pell Grant, for example, can make it easier and more convenient for college students to pay for their schooling. Those who are eligible for the program can receive up to $6,345 for the respective academic year.

However, this exact amount is usually awarded various factors taken into consideration. These include enrollment status, financial need, and the cost of attendance. Those from low-income families tend to be eligible for the most help simply because their expected contribution as a family is lesser than others.

Students can opt to apply for this grant program by accomplishing the (FAFSA) Free Application for Federal Student Aid – the same application also used to qualify for various institutional and state scholarships.

Here are other federal grants for students that you can check out:

  • The Iraq and Afghanistan Service Grant.
  • The Teacher Education Assistance for College and Higher Education Grant.
  • The Federal Supplemental Educational Opportunity Grant.

You can also search for available scholarships by utilizing the scholarship search tool by the U.S. Department of Labor.

Frequently Asked Questions (FAQ)


If you find yourself stuck in a helpless circumstance when fulfilling your basic needs, remember that you can always look for grant programs that you can apply for. You can receive free grant money that can help alleviate your situation, especially since the government gives financial assistance to the people who are in need of it. However, you must remember that there are certain qualifications and requirements set in place before you’re able to get one, so you’ll have to read through the details of the program before applying.

Personal grants can ultimately help you pay your bills or sustain basic necessities without resorting to loans or heavy debt that will only be the source of your worry. These grants don’t require any sort of repayment, so you can freely take them and spend them for whatever purpose you wish to.

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