How To Get Free Money From The Government In 6 Easy Steps | 2021

Government funds are available to assist you during the COVID crisis as well as for regular necessities.

Nobody considered government programs that assist individuals to pay for things like college, day care, and a new house when they stated “Nothing In Life Comes Free.” There is considerably more support available during the coronavirus epidemic.

The government gives you money for nothing: COVID assistance, as well as other services.

These days, COVID Aid is the government’s top priority free money. To find out how much COVID relief money you’ll get, use Nerd Wallet’s stimulus check calculator, which also includes a link to track the status of your payment from the Treasury Department. There are additional day-to-day government programs accessible to individuals in need in addition to pandemic pay-outs. However, unlike COVID, you’ll have to look for and apply for these financial aids.

The majority of these programs are supported by taxes, so you do have to pay anything, but it’s as near to getting free money from the government as you’ll get. Note that some of these programs may be unavailable because of the COVID-19 epidemic.

1. Seek Assistance With Utility Costs.

Do you need assistance paying your heating or phone bills? These programs might be able to assist you:

  • The Low Income Home Energy Assistance Program subsidizes heating and cooling expenditures for low-income families. States, which receive money from the Department of Health and Human Services, award grants. Each state has its qualifying criteria, including income thresholds.
  • The Lifeline program provides low-cost phone and internet access. Certain qualifying conditions must be met.

Game plans are the foundation for financial success. Find methods to save money by combining your cash, credit cards, and bank accounts into one convenient location.

2. Find A Way To Pay For Child Care.

For many families, daycare is a significant financial burden. According to the Economic Policy Institute, a nonprofit focusing on low- and middle-income workers, annual expenses for baby care range from little under $5,000 in Mississippi to more than $22,600 in Washington, D.C.

Low-income families might benefit from the Child Care and Development Fund. The fund, which is administered by the US Department of Health and Human Services, provides money to states, territories, and tribes to assist families to pay for child care. Grants are based on income and usually cover child care for children under the age of 13. Find the contact information for your state’s Child Care and Development Fund.

3. Recover Money That Has Been Left Unclaimed.

This isn’t quite free money; it’s money that you owe to yourself. A forgotten utility deposit, a misplaced savings bond, unclaimed life insurance payout, or an uncashed salary are all possibilities.

When the owner of unclaimed assets cannot be identified, typically due to a clerical error or a company having an obsolete address on file, the monies are given over to the state. To see if you have money waiting to be claimed, go to, a website run by the National Association of State Treasurers.

Over $3 billion in previously unclaimed property was restored to owners in the 2019 fiscal year, with an average claim payout of $1,780.

4. Obtain Assistance With The Down Payment.

You want to purchase a house but don’t have enough money for a down payment. This is where state-based down payment help comes in. These scholarships and loans assist you in covering the initial expenditures of house ownership.

Prospective homeowners in Nevada, for example, can pay a fee and get a grant worth up to 5% of their house loan value to contribute toward a down payment and closing fees. Low-income borrowers aren’t the only ones who can benefit. Nevada’s grant program is accessible to people with an annual income of less than $98,500 for government loans. Check to see whether you’re eligible.

Find down payment help programs in your state with NerdWallet’s guide.

5. Look For Health Insurance Tax Credits.

The Affordable Care Act’s future is, at best, hazy. However, for the time being, the premium tax credits provided by the scheme are still valid. This is how it works:

Individuals and families who purchase health insurance through the government’s health insurance marketplace ( may be eligible for a premium credit. Your insurance provider can be paid immediately with the credit, decreasing your monthly payments.

6. Make An Application For College Scholarships.

Education subsidies, such as the federal Pell Grant, can help with college costs. For the 2020-21 award year, students who are qualified for the Pell Grant might receive up to $6,345 in funding. The precise amount given is determined by several criteria, including financial need, tuition costs, and enrolment status. The Free Application for Federal Student Aid, or FAFSA, is used by students to apply for the Pell Grant. Many governmental and institutional awards and scholarships are also based on the application.

The Federal Supplemental Educational Opportunity Grant, the Teacher Education Assistance for College and Higher Education Grant, and the Iraq and Afghanistan Service Grant are all examples of federal college grants. You may also use the U.S. Department of Labour’s scholarship search tool to hunt for scholarships.

Be Wary Of Con Artists.

While there are legitimate ways to obtain free money from the government, there are also grant scams that falsely promise to provide you with free money from the government to defraud you. Don’t be deceived. The government seldom contacts people with free money offers, and when it does, it never does so via social media.

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