Grants And Loans
The Area 9 Agency on Aging offers Meals on Wheels, free home health aides and homemaker services. There is a waiting list for these services, so it is best to get on the list as soon as you can in planning for the future. You can call Terry at Area (Agency on Aging, 715 W. 21st St., Connersville, IN 47331; 800-458-9345. For more information on Area Agencies on Aging, contact National Association of Area Agencies on Aging, 927 15th St., NW, 6th Floor, Washington, DC 2005; 202-296-8130; Eldercare Locator 800-677-1116
A one-time student loan forgiveness benefit of up to $2,500 can be yours if you served in the Armed Forces, in an active duty status, between September 11, 2001, and December 31, 2004. The Armed Forces Loan Forgiveness Program recognizes the bravery, dedication, and loyalty of our servicemen and women who served in the aftermath of September 11, 2001. To learn more about this program contact the Pennsylvania Higher Education Assistance Agency, PA State Grants and Special Programs, 1200 N 7th St, Harrisburg PA 17102-1444; (800)233-0557
Seniors making up to $22,000/year can get as much as $540 to buy fresh fruit and vegetables from roadside stands. Through the little-known Senior Farmers’ Market Nutrition Program, seniors in 40 states can have the government help buy their produce. Simply take your issued coupons to participating roadside stands and get free fresh produce. Alabama has $1 million to distribute, while Pennsylvania has $1.5 million in funds. Find out how much your state can give you to buy food. Contact the USDA Food and Nutrition Service, 3101 Park Center Drive, Room 926, Alexandria, VA 22302
The Able Trust awards grants to groups that help people with special needs obtain housing. This could be domestic abuse victims, people with disabilities or families who do not have access to permanent housing. The link to this program is
The Mutual Self-Help Housing Loan Program helps low-income households construct their own homes. Families perform approximately 65% of the construction labor on each other’s homes with professional supervision. This sweat equity reduces labor costs and the price of the home. Mortgage payments are 22 to 26 percent of the applicant’s income.
The Pennsylvania Housing Finance Agency’s Purchasing Improvement program allows borrowers to make up to $15,000 in home improvements in conjunction with the purchase of a home with a PHFA first mortgage loan. Eligible improvements include repairs, alterations or modifications to improve the basic livability, accessibility, energy efficiency or safety of the property.
Some universities give employees $1,500 grants to help them buy a home. Companies in Minnesota are offering up to $15,000 to employees to buy homes. City governments in Washington offer employees $10,000 to help buy a home if they perform 100 hours of community service. Make sure you find out what your employer or potential employer has to offer. And learn more about programs like these at
Tracing your family history has been made much easier with the creation of the American Immigration Family History Center at Ellis Island. Once you get to the website at www.ellisisland.org, all you need to do is create a user name and password, then you can conduct passenger searches. By typing in a last name, you will find all the names from ship passenger logs that matched. The passenger’s name, country of origin, age, and date of arrival are shown to help you create your family tree. You can then purchase the ship logs online. It couldn’t be easier!
The Home Ownership Program (HOP) offered by the Los Angeles County Community Development Commission (LA CDC) provides assistance to low-income, first-time homebuyers for purchasing a home. HOP provides loans up to $60,000 or 25% of the purchase price in designated target areas. Eligible properties are single-family homes and attached or detached condominium units or townhomes with a maximum purchase price of $290,319. Contact the Los Angeles County Community Development Commission
a government law requires those health facilities who receive government funds to give their services away for free to those who have trouble paying their bills. Find the facilities near you and take advantage of them. Or if you owe one of them money show them why you don’t have to pay.
Drug manufacturers offer a little known program to help those who cannot cover the cost of their prescription drugs. Some have strict eligibility guidelines, while others have pledged to help all those truly in need. A easy resource to locate the correct drug manufacturer and to learn more about the patient assistance program offered, go to the interactive website at www.helpingpatients.org. You can fill out the forms online. Your doctor will be contacted for the prescription, and the medications will be delivered to the doctor’s office. This month’s winner spends close to $1,000 per month on a variety of medications, with no prescription drug coverage.
The Conrad Cantzen Memorial Shoe Fund offers entertainment professionals up to $40, once in every twelve-month period, for shoes costing no more than $80. This program is administered by The Actors’ Fund of America. Contact: The Actors’ Fund of America, 729 Seventh Avenue, 10th Floor, New York, NY 10019; (212) 221-7300, ext. 146; Fax: (212) 764-0238
Catholic Charities and the Salvation Army have thousands of local organizations that offer a verity of services and money for childcare, elder care, elderly services, emergency financial services, food, shelter, housing, job training, health care, and even a fast $500 to get you out of a jam. Many of these services are for families making less than $25,000 per year. Find Catholic Charities USA locations near you at http://www.catholiccharitiesinfo.org/states/ and Salvation Army locations
so the government is going to make it easier to get money from the SBA’s 540 Certified Development Company program. See http://story.news.yahoo.com/news?tmpl=story&cid=669&ncid=669&e=14&u=/031014/180/5kdiq.html. They want to get this money to more minorities, veterans and women. So HELP these poor bureaucrats make quota and find out how to apply for this money at www.sba.gov/financing/sbaloan/cdc504.html. You can get from $10,000 to $1,000,000 to start or expand your business.
Be on your way to loan forgiveness and buff up at the same time! If you join the Army Reserve or the National Guard after graduation, you can receive up to $10,000 to pay off your student loans. If you’re the sort of person who doesn’t mind the occasional brush with death, ask to be stationed in areas of hostility and you could get even more money! For more information contact the United States Army Reserve Command (USARC), 1401 Deshler Street, S.W., Fort McPherson, GA 30330-2000 (800) 359-8483
Several states and more and more local organizations and even non-profits provide money for renters with grants or loans that can be used for security deposits. Programs constantly come and go but the state of Delaware has provided grants to nonprofit agencies to administer 2 security deposit programs. Two counties in Florida provide grants to cover deposits for people at certain incomes, and New Hampshire guarantees landlords the full amount so the renter can make payments on a security deposit. This information was collected from NLIHC, 1012 Fourteenth Street NW, Suite 610, Washington, D.C. 20005, 202/662-1530. To locate available programs in your area contact your state housing office or social services office, or your local reference librarian who can assist you in finding other organizations who might provide this assistance.
Called Mortgage Insurance- Manufactured Home Parks and referred to as Program #14.127 in the Catalog of Federal Domestic Assistance, this program makes it possible to finance the rehabilitation of manufactured home parks. Contact your local office of the U.S. Department of Housing and Urban Development
Program providers receive reimbursement based upon the number of meals served. Participants are required to attend training and renew their application for the program each year. Office of School Readiness, 10 Park Place South, Suite 200, Atlanta, GA 30303; 404-656-5957; 1-888-4GA-PREK; Fax: 404-651-7430. Head Start/Early Head Start: Head Start and Early Head Start funding is granted by the federal government to local communities grantees to provide quality child development services to low-income families and children with disabilities. They largely target three and four-year olds. These grantees may be public or private, for-profit or non-profit or a public school. If a grantee gives up or loses funding, the Head Start Funds remain in the community and are awarded to another eligible organization. Georgia’s Head Start Collaboration Project was established to help facilitate the partnership between federally funded Head Start programs and state-funded early childhood programs. Office of School Readiness, 10 Park Place South, Suite 200, Atlanta, GA, 30303; 404-656-5957. Or, contact the Regional Head Start Office for Georgia, Atlanta Federal Center, 61 Forsyth Street, S.W., Suite M60, Atlanta, GA 30303; 404-562-2833; Fax 404-562-2980; 866-763-6481
For those who spent their military years on a ship or in service to the navy, pictures are available to help you remember those exciting times. The U.S. Naval Institute has over 450,000 photographs chronicling the Navy’s ships, battles, and major events. Ship name, hull number, and year of service are helpful in searching for prints. If you request a photo of a ship, make sure to ask for a free two-page history of the vessel to be included with the picture. To purchase a print contact U.S. Naval Institute, 118 Maryland Ave., Annapolis, MD 21402; 410-295-1022
to do something cool in the neighborhood from a group call Youth Venture
Then get a new one! The Bureau of Engraving and Printing will replace currency if you have more than one half of the original note or if you have a good reason why you don’t.
The Rhode Island Economic Development Set-Aside-Program provides matching job-training funds to companies that relocate to or expand in the state. The funds may be used for new, full-time employee training through either customized or on-the-job training programs. The program also may be used to retrain or upgrade the skills of current employees. For more information, contact the Rhode Island Economic Development Corporation
Called the Community Development Block Grants/Small Cities Program and referred to as Program #14.219 in the Catalog of Federal Domestic Assistance, this program’s primary objective is the development of viable urban communities by providing decent housing, a suitable living environment, and expanding economic opportunities, principally for persons of low and moderate income. Contact your local office of the U.S. Department of Housing and Urban Development
Fourteen Resource and Referral Agencies are located in Georgia to provide assistance in the start up of childcare centers. Help includes first aid and CPR training, consultations on planning day to day activities, and more. The closest one to Trion is: Child Care Resource and Referral Agency, 1202 N. Tennessee St., Cartersville, GA 30120; 770-387-0828
Every state has offices that will help you for free with any aspect of a business or non-profit organization. They will also have their own grant and loan programs that help businesses get started or expand. Contact your state capital and look for your state office of economic development. Remember, you have to live in a state to get money to start a business in that state. The state just wants you to have the business in their state. So you can’t live in one state and have your business in another state. Go where the money is.