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How to Use Debt Solution Grants

Member
By Amy Laine
User-Submitted Article
(2 Ratings)
Grants and government programs that help pay off old and new debt.
Grants and government programs that help pay off old and new debt.

Debt solution grants can help pay for a overdue mortgage, hospital bills, child care expenses, health care costs, utility bills and other essential expenses. Debt solution grants are controlled by government and government funded agencies. These facilities take applications for families and individuals that need assistance and give to those that meet the qualifications. While most of these programs have been around for year they have now been categorized as grants that help those that are in over the head get out of some dept.

Difficulty: Moderate
Instructions
  1. Step 1

    Health care cost Grants. Government state assistance to pay for health care cost can be found at the family services center in your local area. If you do not feel you qualify and still have kids that are uninsured go ahead and apply to see if you qualify. While income has to be really low to qualify as a adult in many states the cut off for help kids get insurance is over %0% above poverty.

  2. Step 2
     

    Hospital bills: If you did not qualify for the state funded healthcare program you still may find assistance for hospital emergency care. If you have not checked out yet, the best thing to do is to apply for emergency medicaid. Just ask your nurse for paper work. If you need help with the bill go to the medicaid office to request payment assistance with specific bills. If reject go to the hospital admissions for apply for in house hospital grants. Tip: You are more likely to receive grant funding if you apply for the grant while still in hospitals care.

  3. Step 3
     

    Car Repair Government Grants: While you may not have much luck finding grant money to pay for a hobby car, you may find help getting a car fixed that you need to go to work. Keep in mind if public transportation is available to you and it is in reason for you to take it to work, such grants will be limited. Contact your local economic security or public career center to find more information.

  4. Step 4
     

    Day Care Grants: If you are unable to go to work because you would not make enough to reasonably afford to pay for daycare, you may be eligible for government assistance to pay for daycare. Contact your local family service center or head start/first start facility for more information.

  5. Step 5

    Mortgage Grants: If you are falling behind on paying your mortgage there may be grants to help cover a few payment while you either get back on your feet or sell your home. Contact your local economy security office to get help with payment assistance or contact your local back for information for payment deferment.

  6. Step 6
     

    Utility and Water Bill Grant and Government assistant programs: Assistance if available for low income families, disabled individuals and qualified senior citizens. More information can be found by contacting your Electricity provider or by going to the Economic security center in your area.

  7. Step 7

    Clothing Costs: Government and private assistance is available to help pay for clothing costs for work, school and everyday where. To find assistance to pay for cloths to go to work contact your local career center. To find assistance for clothes for kids to go to school contact family services and the salvation army. Private foundations such a the salvation army and the VA second hand store also gives cloths to individuals and families who need clothing assistance. Expect that most clothes except work uniform clothes to be second hand.

  8. Step 8
     

    Student loan Grants: Grants to pay for current tuition can be found at your colleges financial aid center. Volunteer programs such as the peace core and HUD volunteer program can help pay for college debt. If you are in the vocational field of health care or teaching, contact your local career center to find jobs that will pay for your tuition loans. If you need loan deferment contact your lender for more information.

  9. Step 9

    Business Debt Grants: If you currently have a business that is seeking debt solutions due to the poor economy status you may qualify for free loans up to $35,000. Talk with your current banker or go to sba.org for more information.

  10. Step 10
     

    House and building Repair Grants: Debt solution grants to help individuals with disabilities and low income families pay for house repair can be found through HUD housing, family services or if you live in a farming community Department of Agriculture can be of assistance.

Tips & Warnings
  • Debt solution grants are there to help individuals and families in need get around the current poor economy and begin making it on their on.
  • Debt solution grants should be use by those only in need and who want to make better for themselves.

Comments  

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on 7/28/2009 Lots of great info here, Amy.

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on 7/13/2009 Great tips on using debt solution grants.

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