Gov-Relations Logo

How To Get Free Money From The Government Through Government Hardship Grants

Written by: Jody Adams
Last updated: January 31, 2024

Government grants for families in hardship give them access to cash or assistance for home improvements, medical expenditures, and other emergencies such as debt relief. Various associations, foundations, and government assistance programs provide these grant funds but have various requirements to fulfill before becoming eligible for assistance. If you face difficult circumstances due to unemployment, health problems, or other difficulties, you may be eligible for grants for families in hardship from private foundations or the federal government.

Many people face difficult financial conditions and are unemployed due to the fragile status of the economy. They need to pay monthly utilities such as electricity, gas, and water, often referred to as utility bills. While some can rely on their savings, they won't last for long, especially with family financial obligations and other unavoidable personal expenses.

Fortunately, there are several options to deal with financial insolvency. First and foremost, the federal government grants a wide variety of assistance through various federal programs to young people, students, large families, low-income households, self-employed individuals, and jobless individuals, including unemployed people and disabled individuals. Another alternative is to seek help from nonprofit organizations, institutions, or individuals willing to donate money to financially disadvantaged people.

What Are Financial Hardship Grants

Hardship refers to a circumstance in which people don't have money to support their living expenses, sometimes resulting in an inability to afford essential items and healthy food. Grants for families in hardship are essentially assistance that can cover various expenses, such as bills, food, studies, and medical emergencies. These hardship grants provide you fast cash and are available through numerous government agencies, administered by the federal government, state governments, and charitable organizations.

How To Get Free Government Money 

You can get personal hardship grants from the government, but you will need to demonstrate a genuine need for assistance and meet certain basic requirements. It’s essential to be aware of your financial situation and income bracket before initiating the grant application. You can look up government grants online using the steps below.

  1. Go to, the official grants page of the government, a platform hosting a list of grants from various federal agencies including law enforcement agencies. There are over 1,000 grant options to choose from, offering billions of dollars in assistance.
  2. See what hardship grants are available and how to apply for them. Understanding the period of time you have to apply is crucial. Indicate whether you're registering as a person or a business.
  3. By clicking on Grants, you can see the entire chart. It tells you how many grants are available, how much time you have to apply, and who is eligible.
  4. You can download the grant proposal application form once you've picked the right grant program for you. Complete the data fields and email the form to the concerned program. You will be given a response time for the funding opportunity.

Grants And Programs That Offer Free Money From Government

The following is a list of all the grants for families in hardship that offer free money from the government to individuals.

Pell Grants 

University education is costly, and growing tuition costs will make attending college more difficult for children from low-income families. The US Department of Education's Office of Free Application for Student Aid (FAFSA) provides Pell Grants to low-income students to help them pay for college, including educational grants. You can use it to pay for items like tuition, lodging, food, books, and more.

You must first fill out a FAFSA application to apply for a Pell Grant. To be eligible for federal student aid, you must complete the FAFSA form each year you attend school and demonstrate financial need. Aside from that, Pell Grants are normally only given to undergraduate students who demonstrate great financial need and have not yet achieved a bachelor's, graduate, or professional degree.

The Weatherization Assistance Program

The US Department of Energy offers the Weatherization Assistance Program where homeowners can qualify for financial aid if they make energy-saving upgrades to their homes. You can obtain up to $2,500 from the government to insulate your home, install storm windows, or find other energy-saving measures through this program.

Low-Income Home Energy Assistance Program (LIHEAP)

Low-income homeowners can acquire free money from the government with the help of the US Department of Health and Human Services. The department administers the Low Income Home Energy Assistance Program (LIHEAP). This program assists low-income families that do not have the financial means to meet the expense of heating and cooling their houses.

This program makes it easy for you to pay your heating and electricity bills. You may see the eligibility conditions on the website for each state's Low Income Home Energy Assistance Program.

Tax Advice Program For The Elderly (TCE)

The Tax Counseling for the Elderly (TCE) offered by the Internal Revenue Service (IRS) helps prepare basic tax returns for people over 60. This initiative saves seniors money by eliminating the need to engage a tax professional. The program provides free assistance to those seeking income, retirement, pensions, and taxes information. 

Child Care And Development Fund

The Child Care and Development Fund is managed by the Department of Health and Human Services. This fund can alleviate the financial stress on low-income families by subsidizing daycare costs. 

Rural Home Repair Grant And Loan Program 

The Rural Home Repair Loan and Grant Program offers loans and incentives for rural home upgrades and repairs. These loans and grants of up to $7500 are available for the course of a 20-year payback period, for which 1% interest will be charged. This government-funded initiative can help fix or remove hazardous structures, such as lead paint and collapsed structures.

SBA Loan To Start A Business

The Small Business Administration (SBA) is a US government organization that helps entrepreneurs start and grow their businesses. If you need money to start your small business, you can get an SBA loan. There are thousands of development centers across the country that offer this type of credit. This loan comes with very low-interest rates, making them a better option than a bank loan.

FHA Down Payment Grant

When buying a new house, people find it difficult to come up with the needed down payment. The FHA Down Payment Grant is a supplemental government program to assist you with your home mortgage down payment. Some states, for example, will contribute up to 5% of the total mortgage amount in down payments and closing costs. The US Department of Housing and Urban Development (HUD) administers this financial assistance program.

Federal Supplemental Educational Opportunity Grant (FSEOG)

You can apply for the Federal Supplemental Educational Opportunities Grant (FSEOG) if you are in desperate need of financial support. This is a "supplemental" grant, as the name implies. You can get money from the Department of Education from $100 to $4,000. Remember that your need determines the amount you receive, so keep that in mind before applying.

Volunteer Income Tax Assistance Program 

You can get free tax preparation through the Volunteer Income Tax Assistance (VITA) program. As part of its compliance and outreach initiatives, the IRS provides this service. If you have a modest income and make less than $54,000 in a year, you can get your taxes done for free. VITA is a free service available to anybody, but it is especially useful for low-income persons, those with impairments, and people who speak English as a second language.

Childcare and Child Health

Your children may be eligible for low-cost or even free health insurance. Medicare, Medicaid, and the Children's Health Insurance Program (CHIP) are examples of government health insurance programs that one can utilize for this purpose. Checkups, hospital treatment, immunizations, medications, mental health services, and doctor visits are the various low-cost or free services you can get through this program.

There are state-specific programs, and the healthcare providers in your area are likely to join. Parents may find low-cost health insurance options for their children on

Access Unclaimed Money

Sometimes people fail to claim the money that is owed to them. You can find unclaimed funds by going to the website Every year, people benefit from the unclaimed cash on this portal. This site is designed to assist you with money that you may have forgotten about in various ways. You have the right to claim this unclaimed money and put it to your use.

Government Hardship Grants For The Unemployed 

If you are unemployed and have exhausted your unemployment benefits, it implies you've used up all of the benefits that state law permits you to claim in a given year. Ideally, it would help if had started a new job by that time, but this does not always happen. You can file for a benefits extension by submitting your claim at the end of your benefit year and possibly receiving benefits again. You may be eligible for a federal unemployment extension if your state unemployment claim has run out. The federal government provides emergency unemployment compensation to states to extend the benefits. 

Financial Hardship Grants For Young People Without Work

Unemployment is a burden, but young unemployed persons or recent graduates under the age of 30 can take advantage of various educational and occupational training alternatives. In a typical study center, students receive professional training for a portion of the day. What's more, they can now take the technical portion of the course at a company that has a contract for training and apprenticeships. In addition, scholarship programs are available that help students cover transportation and housing costs. 

Government Financial Hardship Grants For Veterans

Transitioning from the military to civilian life can be a challenge. We owe the nation's war veterans our respect and gratitude as Americans. There are limited resources available to assist those experiencing financial issues resulting from deployment or other military-related injuries. 

Trying to pay for medical expenses, housing, or necessities adds to the stress of a significant move for soldiers and their families. Fortunately, veterans can choose from various organizations that assist them in financial need.

Government Hardship Grants For College Students

Scholarships are monetary donations to students that they are not obligated to pay back. Educational institutions, employers, individuals, private enterprises, non-profit organizations, communities, religious groups, and social organizations offer thousands of scholarships each year. Scholarships are available to those with modest financial resources and are also awarded based on merit.

You can get a scholarship by meeting or exceeding specific criteria set forth by the scholarship providers. Academic success or a combination of academics and a talent, trait, or unique interest can earn you a merit-based scholarship. Many scholarships target certain demographics; for example, there are scholarships for women and graduate students. 

Government Hardship Grants For Single Mothers

Single mothers can apply for various subsidies if they are the head of the household and have at least one economic dependent. Single mothers frequently confront the difficult task of managing home finances for themselves and their children independently. Financial difficulties are common among single mothers. They must not only pay the family's bills, but they must also make additional payments to daycare facilities and childcarers while they are at work. 

One of the most successful programs, the Emergency Grants for Single Mothers, is worth mentioning. The Women, Infants, and Children (WIC) program, Supplemental Food Assistance Program (also known as SNAP or food stamps), Temporary Assistance for Needy Families (TANF, a temporary cash assistance program), and Medicaid are typically available through the department of human or social services in your city or county. 

The US government has around 900 programs geared at assisting single mothers. You can contact your local human or social services department for further information on existing programs, eligibility requirements, and how to apply.

Government Hardship Grants For Elderly Seniors 

The government provides financial assistance to senior citizens through the Grants for Senior Citizens program. This program is designed to ensure the elderly's social protection and, as a result, a higher quality of life. Grants for the elderly are either direct or indirect financial aid provided by the federal government, state governments, or non-profit organizations. 

Women and men between the ages of 54 and 59, or three years younger than the retirement age, can apply for the Grants for Senior Citizens to receive the third-age subsidy provided by various federal government programs.

Government Hardship Grants For Housing, Food, Mortgage, And Rent 

Various government subsidies and programs are available to help the poor, the homeless, the hungry, and people who cannot afford to pay their mortgages or rentals. Housing issues are addressed by the federal government, state governments, local charities, local churches, and community organizations, which provide shelter and assistance with rent payments. The Emergency Food and Shelter Program provides counseling for all housing needs, household supplies, and other necessities for low-income and needy families. Rent or mortgage payments, security deposits, moving costs, and food supplies are all covered by the EFSP.

Government Hardship Business Grants

The Government of the United States firmly believes that new businesses and startups are essential for economic growth. New businesses create new jobs while also contributing to tax income in the economy. Low-interest financing, startup expansion programs, skill development training, and free counseling are just some of the grant categories available to businesses.

The federal and state governments offer many grants to assist small firms, startups, and growing businesses during difficult times. If you already have a business or are looking to start one, government subsidies for businesses can be extremely beneficial in the early stages

Government Hardship Grants For COVID-19 Pandemic 

The COVID-19 pandemic has caused the authorities to impose economic measures to deal with the crisis that has claimed the lives of millions of people around the world. The administration has authorized a package of economic and social measures to reduce the impact of the crisis, particularly among the most vulnerable people.

The government has passed many legislations to combat the financial impact of COVID-19, including unemployment assistance and loans to the unemployed, self-employed people, and small businesses. People struggling financially due to the pandemic, individuals who have lost their employment, and enterprises that have been shut down during the pandemic are being offered financial hardship help by the government in the form of money through direct benefits transfer systems.


If you're having trouble making ends meet, you may be eligible for federal government assistance programs that can help you put food on the table, pay for living expenses, and pay for healthcare. You should also look into what grants are available in your state.

Curious about leveraging government hardship grants for financial stability? Learn the specifics of acquiring hardship grants for single mothers in our detailed blog post. Find the support you need to forge a stronger future, starting today!

Are you interested in learning about how you can get free laptops for students? Gov-Relations has many resources you can visit today to learn more!

Jody Adams
Jody Adams is an accomplished editor-in-chief with a deep understanding of social care and government benefits issues. With a background in journalism and a master's degree in Public Policy, Jody has spent her career shaping the narrative around social policies and their impact on society. She has worked with renowned publications, effectively bridging the gap between complex policy analysis and public understanding. Jody's editorial expertise ensures that vital information on social care and government benefits reaches a broad audience, empowering individuals to make informed decisions.
Gov-Relations Logo
Gov-Relations is where people may seek information on funding opportunities. With our help, we hope our readers are reducing paperwork and simplifying their grant application procedure. We provide data quality reviews, assistance, and informative articles to assist applicants in their journey to completing and submitting grant applications.
(949) 695-8823
17595 Harvard Ave. C2480-B Irvine, CA 92614
© 2024 Gov-Relations. All Rights Reserved.