Federal Grant Programs: Complete Guide to Free Government Money

Discover federal grant programs available to individuals and families. Complete guide to Pell Grants, housing assistance, food programs, and energy assistance.

Federal grant programs provide billions in assistance to individuals and families each year. Unlike loans, grants don't need to be repaid, making them valuable resources for education, housing, and basic needs. ## Education Grant Programs **Federal Pell Grant Program** - Maximum award: $7,395 for 2024-2025 school year - Based on Expected Family Contribution (EFC) - Available for undergraduate students only - No repayment required if you complete program - Can be used at any eligible institution **Federal Supplemental Educational Opportunity Grant (FSEOG)** - Awards range from $100 to $4,000 annually - For undergraduates with exceptional financial need - Pell Grant recipients get priority - Limited funding available at each school - Apply early for best chances **Teacher Education Assistance for College and Higher Education (TEACH) Grant** - Up to $4,000 annually for future teachers - Must teach in high-need field for 4 years - Service in low-income schools required - Converts to loan if service requirement not met - Available for undergraduate and graduate students ## Housing Assistance Programs **Section 8 Housing Choice Voucher Program** - Rental assistance for low-income families - Pay 30% of income toward rent - Choose housing in private market - Portable between participating jurisdictions - Income limits vary by area **Public Housing Program** - Affordable rental housing in government-owned units - Rent based on 30% of adjusted income - Over 1 million households served - Priority for elderly, disabled, and families - Local housing authorities manage programs **Rural Housing Programs** - USDA Rural Development assistance - Direct loans and grants for home purchases - Home repair grants for low-income rural residents - Multi-family housing development - Geographic eligibility requirements ## Food and Nutrition Assistance **Supplemental Nutrition Assistance Program (SNAP)** - Monthly benefits for food purchases - Average benefit: $180 per person monthly