Question by Nicci: Need a general aid grant to pay off a debt…?
Does anyone know anything about grants? I have a debt I want to pay off.
I’m also interested in starting a business. So a business grant would be cool too. But I’m more interested in dealing with this debt.
I DO NOT need any information about buying a book or cd that will “help” me. I don’t have any money to pay for that crap. Plus it’s all over the internet. I wouldn’t waste 5 of my yahoo answers points to ask a question I could google the answer to.
Thanks
Best answer:
Answer by src50
There are no government “grants” to pay off your debts or to start businesses – that is a myth. You may find a few nonprofits that provide some support.
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A grant to pay off your car, your flat screen TV, your vacation, your MP3 player? Yeah, right! The government is helping people pay off their debts for things they buy all the time! Good luck and start thinking about living within your means.
Pinky, run for cover if anyone wants to charge you for information on finding grants. Finding information about grants is a piece of cake. You can figure that grants are going to offered from agencies looking for innovation, help address poverty issues, child welfare, technology, economics, health, welfare, housing, safety, culture & arts, education, public interest, mmm…more…The government even has a website: http://www.grants.gov also, what you are really looking for is an opportunity for income because I can’t think of many grants that don’t have some work and/or strings attached. So, with that in mind I suggest you also look through government solicitations for proposals. go to http://www.fedbizopps.gov go to vendors section or looking for business opportunities.
The competition for grants is a factor to consider too. It is always a good idea to build up support for why you should receive a grant. On a local basis, there are low-income serving organizations that provide small grants for starting a business. You can get more info at http://microenterpriseworks.org
There are also local programs that help low-income individuals overcome barriers to self-sufficiency. They typically have limiting criteria, but it may not hurt to try. These might be a little hard to identify because states often give titles to their programs that sometimes make it challenging to link directly with a federal funding source…but, the way to approach it is to google something like “low-income program Washington”. It is easier to find Housing Authorities because they don’t seem to try as hard to disguise themselves. Housing– try http://www.phada.org/ha_list.php/
There is also a program that is referred to as Individual Development Accounts (“IDA”). Start here: http://www.cfed.org/focus.m?parentid=31&siteid=374&id=599
IDA programs involve a saving plan, financial training….lots of hoops and not a quick fix. Still, an effective part of other programs you may be included in.
Be aware that there are numerous agencies and local resource that you would think are all on the same page. That isn’t the way it works. Often, they are either unaware of each other or don’t understand what each truly does. The key is to understand that so research each organization before you visit. Know what they can provide but also what they don’t …there can be a tendancy for these organizations to provide you misinformation.