how can i apply for a grant with out a middleman?

Question

I'm looking for a dept consolidation loan. I would like to apply with out paying for a cd or anything else.

Answer 1

There is no such thing as debt consolidation grants contrary to what these "middlemen" say. These middlemen will tell you anything to get your money so you buy their worthless CDs or give out your account so they can scam you and get your money

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, 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

Answer 2

Loans and Grants are two different items. Loans have to be paid back and grants do not. There is no such thing as a debt consolidation grant.

Grants are not easy to get and, despite what the companies that sell the CDs say, there is no such thing as a personal grant.

Answer 3

the Federal Trade Commission websites tells you what
to look out for when using debt consolidation loan companies

you can do it yourself for free

www.creditinfocenter.com

Answer 4

"Grant" means a giveaway. You're not going to find that.