Government grants...never have to repay...I hear they are out there, how does one go about obtaining inform?

The government is NOT in the business of giving away free money for the sake of giving away money. There are no grants for paying bills, no grants for paying off credit cards, for starting a business, no grants for getting out of debt and no grants for simply fattening your wallet.

Grants are free, but it means OBLIGATION. You will be obligated to do as the grant sets out to do. Grants have objectives, and your purpose must fit the objective of the grant.

For one, you have to write the grant application and the grant application is not a simple document - you have to explain how your purpose for applying for the grant fits well with the objectives set out by the grant.

There is a stringent review process through a committee. You will compete with other applicants for the grant money, and this grant review committee will evaluate the merits of each proposal. Only those that they feel exemplifies the objective of the grant will be approved.

You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov/ and Grants.gov http://www.grants.gov/ - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.

Even if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.

Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

Getting a government grant is not as easy as the television commercials make it out to be for anything. Either you have to make under a certain amount of money, something happened, be a state or local government organization, educational institution, or own a small business. The forms are pretty complicated and lengthy. However, I will provide some links which should help you learn more about the matter and what you qualify for at this time. I have included the websites official government organizations (ends in .gov) Good luck!

Canadian Government Grants Never Repay

www.fafsa.ed.gov

Apply and at the end it will give you your EFC which means Expected Family COntribution and if it is high than you know you aren't going to recieve much if any at all. If it falls below college costs for a year than the chances are that you will receive aid. The main form being a Pell Grant which does not have to be repaid but is need based. The amount you qualify for depends on your income as well as your parents if you are under 24 yeard old. If you have a child or have served in the military you are considered independent at any age.

It's worth a shot, doesn't cost you anything to apply but in ordere to determine your award amount you do need to be accepted into a university or college.

GL

This is only given by applying for financial aid through FAFSA. They will determine what amount to give you base on your tax income.

Complete the FAFSA at www.fafsa.ed.gov free application and free money if you are eligible.