Dream of quitting your dead-end job and getting your master’s in computer science? Earn your master’s or doctorate degree and let the U.S. Department of Homeland Security (DHS) pay your way. Through the DHS fellowship program, get your graduate degree in the physical, biological, social, or behavioral sciences – including science policy, engineering, mathematics, or computer science. Have your tuition covered and have money to live on! You must have career and employment goals aligned with the mission and objectives of the DHS, but you are not required to accept a position with them following graduation. To learn how you can get your advanced degree paid for, contact the U.S. Department of Homeland Security
Called Reserve Mortgages For Seniors and referred to as Program #14.183 in the Catalog of Federal Domestic Assistance, this program enables elderly homeowners, 62 years of age or older, to convert equity in their homes to monthly streams of income – except for Texas – lines of credit. HUD insures lenders against loss on reverse mortgage loans. Contact your local office of the U.S. Department of Housing and Urban Development. Look on the left-hand side of the page to search for your local field office.
Learn how technology can help your disability and money programs to purchase equipment. Contact your state Office of Social Services or Vocational Rehabilitation or Rehabilitation Engineering and Assistive Technology Society of North America (RESNA), 1700 North Moore St., #1540, Arlington, VA 22209; 703-525-6686; 703-524-6639 (TTY)
Called the Mortgage Insurance – Combination and Manufactured Home Lot Loans Program and referred to as Program #14.162 in the Catalog of Federal Domestic Assistance, this program makes possible reasonable financing for the purchase of a manufactured home and a lot on which to place the home. Contact your local office of the U.S. Department of Housing and Urban Development. Look on the left-hand side of the page to search for your local field office.
You can call government offices and advocacy groups that will do your fighting for you or give you the needed weapons to do your own fighting. Before you call a lawyer, call these free offices: Your state Insurance Commissioner will help you learn your legal rights regarding insurance. Your state Medical Board will review your complaint and help resolve disputes. Your state HMO Board will also resolve disputes. You can also contact the Patient Advocate Foundation, 700 Thimble Shoals Blvd., Suite 200, Newport News, VA 23606; 800-532-5274; www.patientadvocate.org, or the Health Insurance Partnership program at Families USA
If you are within a certain income and need help paying your heating bills, or need money to make your house more energy efficient, or need funds for urgent repairs, call your local Community Action Agency. There are about 1,000 of them around the country to help neighborhoods. They will also come out and check if your home or apartment needs to be more energy efficient. To find an agency near you, contact National Association of Community Action Agencies, 1100 17th St., NW, Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850. Also, your local utility can provide you with or refer you to other programs in your area to analyze your energy usage, recommend energy saving measures, provide fuel and utility assistance to retain or restore service, establish payment discounts based on income and usage, or establish affordable payment plans if you are in arrears. Contact your local utility company to take advantage of these services.
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
Rural Housing Repair and Rehabilitation Grants are funded directly by the Government. A grant is available to a homeowner who is 62 years of age or older. Funds may only be used for repairs or improvements to remove health and safety hazards, or to complete repairs to make the dwelling accessible for household members with disabilities. The amount of the grant is based on the applicant’s ability to repay and may be used in conjunction with the Repair and Rehabilitation Loan. The lifetime maximum grant amount is $7,500. Contact Mike, U.S. Department of Agriculture, Rural Housing Service, 1110 Amos Rd. Suite A, Shelbyville, IN 46176; 317-392-1394 Ext. 4. For more information on Rural Housing Programs, contact Single Family Housing, Rural Housing Service, U.S. Department of Agriculture, Washington, DC 20250; 202-720-1474
The Nurses House financial awards assist with such needs as rent or mortgage payments, food, utilities, telephone and health insurance. When possible, Nurses House attempts to assist applicants in identifying other potential sources of assistance. Awards will vary depending on the applicant’s level of need. Contact: Nurses House, Inc., 2113 Western Ave., Ste. 2, Guilderland, NY 12084-9501; (518) 456-7858; Fax: (518) 452-3760
Independent Television Service (ITVS) brings high-quality, content-rich programs created by a diverse body of independent producers to local, national, and international audiences. These programs take creative risks, explore complex issues and express points of view seldom seen on commercial or public television by reflecting voices and visions of underrepresented communities and address the needs of underserved audiences, particularly minorities and children. Grants range from $20,000 up to $250,000. Contact: Independent Television Service (ITVS) 501 York Street, San Francisco, CA 94110; (415) 356-8383; Fax: (415) 356-8391
Called Direct Housing – Natural Disaster and referred to as Program #10.445 in the Catalog of Federal Domestic Assistance, this program assists qualified lower income rural families to meet emergency assistance needs resulting from natural disaster to buy, build, rehabilitate, or improve dwellings in rural areas. Funds are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). For the purpose of administering these funds, natural disaster will only include those areas identified by a Presidential declaration. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at
Link Up and Lifeline are two government programs that offer up to $84 a year in discounts on your monthly bill. Ask your phone company about them or contact your state utility commissioner. For more information on how to save money on your phone bill, contact your telephone company, your state regulatory agency, and/or the Federal Communications Commission (445 12th St., SW, Washington, DC 20554; 888-CALL-FCC
The Italian-American Community Services Agency awards grants to Italian-Americans in financial need and indigent individuals, including senior citizens. It had a total of $15,690 for grants to individuals. Contact: Italian-American Community Services Agency (formerly Italian Welfare Agency, Inc. ), 678 Green St., San Francisco, CA 94133-3896. Phone: 415-362-6423; website