Grants & Free Money Hub
Every grant and free-money program we can find — federal, state, nonprofit, and corporate. Free grants come first, then conditional programs, so you never accidentally take on debt while you're already hurting. Need help applying? Our AI Grant Writer writes the whole letter for you — plug and play.
AI Grant Writer — We Write the Letter For You
Education Grants & Scholarships — Go to School Without the Debt
College, trade school, a master's, a doctorate — whatever your next degree is, there is money for it that you never have to pay back, or that you repay with zero interest. We've organized every program by community so you can find the ones built for you — Black, Hispanic, Cuban, Jewish, Cherokee, Native, women, veterans, and more. Green = free, never repaid. Blue = 0% interest, principal only. Amber = forgivable if you serve.
Federal Pell Grant
FreeUp to $7,395/year (2025-26) for undergraduate students with financial need. The largest federal grant — never repaid. Apply via FAFSA.
Eligibility: U.S. citizen or eligible non-citizen; undergraduate; financial need
Apply / Learn MoreFederal Supplemental Educational Opportunity Grant (FSEOG)
Free$100–$4,000/year for undergraduates with exceptional financial need. Awarded by your college. Never repaid.
Eligibility: Undergraduate; exceptional financial need; apply via FAFSA
Apply / Learn MoreThe Gates Scholarship
FreeFull-ride scholarship (tuition, fees, room, board, books, transportation) for outstanding minority high-school seniors from low-income households.
Eligibility: Minority high-school senior; Pell-eligible; minimum 3.3 GPA; leadership
Apply / Learn MoreQuestBridge College Match Scholarship
FreeFull four-year scholarship (tuition, room, board, no loans) to 50+ partner colleges for high-achieving low-income students.
Eligibility: High-school senior; family income < $65,000; top 10% of class; high test scores
Apply / Learn MoreDell Scholars Program
Free$20,000 scholarship + laptop + textbook credits + support team for students who have overcome significant obstacles.
Eligibility: High-school senior; Pell-eligible; minimum 2.4 GPA; demonstrated grit
Apply / Learn MoreJack Kent Cooke Foundation College Scholarship
FreeUp to $55,000/year for high-achieving high-school seniors with financial need. Covers tuition, living expenses, books, fees.
Eligibility: High-school senior; financial need; minimum 3.5 GPA; top test scores
Apply / Learn MoreAmeriCorps Education Award
FreeUp to $7,395 for one year of service. Serve your community, earn an education award you can use for college or to repay student loans.
Eligibility: Complete an AmeriCorps term of service; U.S. citizen/national/LPR
Apply / Learn MoreTEACH Grant
ForgivableUp to $4,000/year for students who commit to teaching in a high-need field in a low-income school for 4 years. Becomes a loan if you don't fulfill the service.
Eligibility: Enrolled in TEACH-eligible program; minimum 3.25 GPA; teaching commitment
Apply / Learn MoreUnited Negro College Fund (UNCF) Scholarships
FreeOver 400 scholarships and internships for Black students — from $500 to full rides. One application matches you to dozens of awards.
Eligibility: African American / Black; varies by scholarship; many open to all majors
Apply / Learn MoreThurgood Marshall College Fund (TMCF)
FreeScholarships for students at publicly-supported HBCUs and PBIs. Over $300 million awarded. Many awards cover full tuition.
Eligibility: Enrolled at an HBCU or PBI; minimum 2.5–3.0 GPA varies
Apply / Learn MoreCongressional Black Caucus Foundation (CBCF) Scholarships
FreeMultiple scholarships for Black students in public health, performing arts, environmental studies, and general studies. $3,000–$10,000.
Eligibility: African American; enrolled or accepted at accredited institution; minimum 2.5 GPA
Apply / Learn MoreJack and Jill of America Foundation Scholarship
FreeScholarships for African American students demonstrating leadership, academic excellence, and community service.
Eligibility: African American; high-school senior or undergraduate; leadership record
Apply / Learn MoreNational Black MBA Association Scholarships
FreeScholarships for Black students pursuing undergraduate or graduate business degrees. Up to $5,000+.
Eligibility: African American; business major; minimum 3.0 GPA
Apply / Learn MoreHispanic Scholarship Fund (HSF)
FreeThe largest Hispanic scholarship provider — $500 to $5,000+ awards, plus career support, mentorship, and wellness programs. Over $650 million awarded.
Eligibility: Hispanic heritage; U.S. citizen/LPR/DACA; minimum 3.0 GPA; enrolled or accepted full-time
Apply / Learn MoreCongressional Hispanic Caucus Institute (CHCI) Scholarships
Free$2,500–$5,000 scholarships for Latino students with financial need and a commitment to public service. Includes leadership development.
Eligibility: Hispanic/Latino; U.S. citizen/LPR; enrolled full-time; minimum 2.5 GPA
Apply / Learn MoreLeague of United Latin American Citizens (LULAC) Scholarships
FreeMultiple scholarships for Hispanic students at every level — high school through graduate school. Administered through local LULAC councils.
Eligibility: Hispanic heritage; enrolled or accepted at accredited institution; varies by council
Apply / Learn MoreCuban American National Council (CNC) Scholarships
FreeScholarships and educational support for Cuban American and Hispanic students, including those in South Florida and the Northeast.
Eligibility: Cuban American or Hispanic; financial need; enrolled or accepted
Apply / Learn MoreHispanic Association of Colleges and Universities (HACU) Scholarships
FreeScholarships for students attending HACU-member Hispanic-Serving Institutions (HSIs). $1,000–$5,000+ awards.
Eligibility: Enrolled at HACU-member institution; minimum 2.5 GPA; varies by scholarship
Apply / Learn MoreProspanica Foundation Scholarships
FreeScholarships for Hispanic students pursuing undergraduate and graduate business degrees, plus MBA conference access.
Eligibility: Hispanic heritage; enrolled in business or related program; minimum 3.0 GPA
Apply / Learn MoreAmerican Indian College Fund
FreeThe largest Native scholarship provider — over $20 million/year to Native students at tribal colleges and mainstream universities. Full and partial scholarships.
Eligibility: Enrolled member of a federally or state-recognized tribe; enrolled or accepted at accredited institution
Apply / Learn MoreCherokee Nation Foundation Scholarships
FreeMultiple scholarships exclusively for Cherokee Nation citizens — undergraduate, graduate, and professional degrees. Over $300,000 awarded annually.
Eligibility: Cherokee Nation citizen; enrolled or accepted at accredited U.S. college; minimum 2.0 GPA varies
Apply / Learn MoreCobell Scholarship (American Indian Graduate Center)
FreeFull and partial scholarships for Native American and Alaska Native students pursuing undergraduate, graduate, and doctoral degrees. Merit + need based.
Eligibility: Enrolled member of federally recognized tribe; enrolled full-time; minimum 2.0 GPA
Apply / Learn MoreAIGC Fellowships & Scholarships
FreeGraduate and undergraduate fellowships for Native American and Alaska Native students — including the AIGC Fellowship and Loan Repayment Assistance.
Eligibility: Enrolled member of federally recognized tribe; enrolled in degree program
Apply / Learn MoreBIA Higher Education Grants
FreeFree education grants for Native American college students who are members of federally recognized tribes. Administered through your tribe or BIA agency.
Eligibility: Member of federally recognized tribe; enrolled full-time; financial need
Apply / Learn MoreHebrew Free Loan Society — Education Loans
0% LoanInterest-free student loans up to $25,000/year for Jewish students in the NYC area. Zero interest — you repay the principal only, on a schedule that works for you.
Eligibility: Jewish; resident of NYC metro area; enrolled at accredited U.S. institution
Apply / Learn MoreHillel International Scholarships
FreeMultiple scholarships for Jewish college students, including the Israel on Campus and Tzedek awards. Connects students to campus Hillel resources.
Eligibility: Jewish; enrolled at a college with a Hillel or partner campus
Apply / Learn MoreJewish Federation Scholarships (Local)
FreeLocal Jewish Federations across the country offer scholarships and interest-free loans to Jewish students in their communities. Find your local Federation.
Eligibility: Jewish; resident of the Federation's service area; enrolled or accepted
Apply / Learn MoreJewish Vocational Service (JVS) Scholarships
FreeNeed-based scholarships for Jewish and other students in several metro areas — San Francisco, Boston, and others. $1,000–$10,000.
Eligibility: Resident of service area; financial need; enrolled or accepted
Apply / Learn MoreMASA Israel Journey Grants
FreeFree grants ($1,000–$3,700) for Jews to study, intern, or volunteer in Israel — including semester and year programs at Israeli universities.
Eligibility: Jewish heritage; 18–30 years old; accepted to a MASA-eligible program
Apply / Learn MoreP.E.O. Program for Continuing Education
FreeNeed-based grants up to $3,000 for women whose education was interrupted and who are returning to complete a degree or certification.
Eligibility: Female; U.S./Canada citizen; within 24 months of completing a degree; financial need
Apply / Learn MoreAAUW Career Development Grants
Free$2,000–$12,000 for women pursuing a certificate or degree to advance or change careers, especially in STEM and underrepresented fields.
Eligibility: Female; U.S. citizen/LPR; bachelor's degree; enrolled in certification or degree program
Apply / Learn MoreJeannette Rankin Women's Scholarship
FreeUp to $2,500 for low-income women age 35+ pursuing an associate's or bachelor's degree, or a first technical/vocational certificate.
Eligibility: Female; age 35+; low-income; pursuing first degree or certificate
Apply / Learn MoreSociety of Women Engineers (SWE) Scholarships
FreeOver $1 million/year in scholarships for women pursuing engineering, computing, or technology degrees — freshman through graduate level.
Eligibility: Female; enrolled or accepted in ABET-accredited engineering or computing program
Apply / Learn MorePost-9/11 GI Bill
FreeFull tuition (up to in-state public cap) + monthly housing + books for 36 months of education or training. Transferable to a spouse or child.
Eligibility: Served on active duty after 9/10/2001; minimum 90 days or 30+ days with disability discharge
Apply / Learn MoreYellow Ribbon Program
FreeCovers tuition above the GI Bill cap at participating private and out-of-state schools — no out-of-pocket tuition cost.
Eligibility: Eligible for Post-9/11 GI Bill at 100%; enrolled at a Yellow Ribbon participating school
Apply / Learn MoreVA Vocational Rehabilitation (VetSuccess)
FreeFree education, training, and job placement for veterans with service-connected disabilities. Covers tuition, books, supplies, and a living stipend.
Eligibility: Veteran with service-connected disability rating; employment handicap
Apply / Learn MoreAMVETS Scholarships
FreeScholarships for veterans, active-duty service members, and their children/spouses pursuing undergraduate or graduate degrees.
Eligibility: Veteran, active-duty, or eligible dependent; enrolled or accepted
Apply / Learn MoreAsian & Pacific Islander American Scholarship Fund (APIASF)
FreeThe largest AAPI scholarship provider — scholarships for Asian American and Pacific Islander students, including the AANAPISI program at AAPI-serving colleges.
Eligibility: Asian or Pacific Islander heritage; U.S. citizen/LPR; enrolled or accepted full-time
Apply / Learn MoreUSPAACC Scholarships
FreeScholarships for Asian American students, including the Bruce Lee Scholarship and the Asian American Business Council awards.
Eligibility: Asian American; enrolled or accepted; minimum 3.0 GPA
Apply / Learn MorePoint Foundation LGBTQ Scholarship
FreeFull multi-year scholarships for LGBTQ+ students — tuition, living, leadership development, and mentorship. The largest LGBTQ scholarship program.
Eligibility: Identify as LGBTQ+; U.S. citizen/LPR; enrolled or accepted full-time; leadership and community service
Apply / Learn MoreGamma Mu Foundation Scholarships
FreeScholarships for gay men and LGBTQ+ students from underserved communities, including rural and small-town areas.
Eligibility: LGBTQ+; enrolled or accepted; financial need; leadership
Apply / Learn MoreCentral Scholarship Bureau — Interest-Free Student Loans
0% LoanInterest-free education loans up to $10,000/year for Maryland students. Zero interest — you repay only the principal after graduation.
Eligibility: Maryland resident; enrolled at accredited U.S. institution; financial need
Apply / Learn MoreLeo S. Guthman Fund — Interest-Free Loans
0% LoanInterest-free loans for students in specific Northeast regions pursuing higher education. Repay principal only, no interest ever.
Eligibility: Resident of eligible Northeast region; enrolled or accepted; financial need
Apply / Learn MoreMilitary Officers Association of America (MOAA) Interest-Free Loans
0% LoanInterest-free loans for children of military officers pursuing undergraduate degrees. Zero interest, repaid after graduation.
Eligibility: Child of a commissioned officer; enrolled full-time undergraduate
Apply / Learn MoreFile the FAFSA First — It Unlocks Everything
The Free Application for Federal Student Aid (FAFSA) is the gateway to Pell Grants, FSEOG, work-study, and most state and college scholarships. Many of the programs above require a FAFSA on file. It's free — file it every year, even if you think you won't qualify.
Start your FAFSAEvery student deserves to chase their calling without a lifetime of debt. If you know a young person — Black, White, Hispanic, Cuban, Jewish, Cherokee, Native, or any background — send them here. May God open the door to their education. "Train up a child in the way he should go: and when he is old, he will not depart from it." — Proverbs 22:6, KJV
Free Grant Directory — Matthew Lesko Style
The "question-mark guy" spent his career cataloguing free government money most people never hear about. Use these directories to find thousands more grants — federal, state, and private — then let our AI Grant Writer above write the application for you.
Available Grants (65)
Shavei Israel — Lost Tribes Return (Aliyah)
Shavei Israel
Descendants of the Lost Tribes of Israel and hidden Jews worldwide — including Bnei Menashe (India), Bnei Ephraim, and communities in over a dozen countries. Active in Poland, Peru, Spain, Portugal, Brazil, and more.
Conditions: Free — never repaid. They fund the Aliyah process: flights, absorption, Hebrew language, and integration support.
The Jewish Agency for Israel — Aliyah Worldwide
The Jewish Agency for Israel
Jews worldwide, including recognized Lost Tribe descendants, eligible for Aliyah under the Law of Return. Provides flights, absorption, housing, and integration support.
Conditions: Free — never repaid. Funded by the State of Israel. Includes Sal Klita (absorption basket) cash grant on arrival.
Nefesh B'Nefesh — North American Aliyah Grants
Nefesh B'Nefesh
Jews from the US and Canada making Aliyah to Israel. Financial grants, pilot trips, and employment support.
Conditions: Free — never repaid. Grants up to $25,000 for families making Aliyah from North America. Includes Go North! program for northern Israel.
Jewish Family Service — Emergency Financial Assistance
Jewish Family Service (nationwide network)
Anyone in the Jewish community in financial need — no observance required. Covers rent, utilities, food, and basic needs. Over 100 JFS agencies nationwide.
Conditions: Free — never repaid. One-time crisis intervention. No religious observance required.
Hebrew Free Burial Society (Chesed Shel Emes)
Hebrew Free Burial Society
Any Jewish person who cannot afford a funeral and burial. Free service and burial at Chesed Shel Emes Cemetery.
Conditions: Free — never repaid. Available to any Jewish person who cannot afford a funeral.
Jewish Federation — Local Community Emergency Grants
Jewish Federations of North America
Anyone in the local Jewish community in need. Local Federations provide emergency grants, burial assistance, scholarships, and crisis aid. Find your local Federation for help.
Conditions: Free — never repaid. Varies by local Federation. Some offer one-time grants up to $2,500.
MASA Israel Journey — Study & Volunteer Grants
MASA Israel Journey
Jews worldwide aged 18-30 with Jewish heritage or connection. Grants for study, volunteer, or intern in Israel programs.
Conditions: Free — never repaid. Grants of $1,000–$3,700 depending on financial need. For study, volunteer, or internship programs in Israel.
Bnei Menashe Aliyah Program — Tribe of Manasseh
Shavei Israel / State of Israel
The Bnei Menashe of Northeast India — descendants of the tribe of Manasseh, one of the Lost Tribes. Over 4,000 have already made Aliyah to Israel.
Conditions: Free — never repaid. Government-supported. Israel approved mass Aliyah — 1,200 expected by end of 2026, all 6,000 by 2030.
JFunds Pittsburgh — Jewish Assistance Fund
JFunds Pittsburgh
Members of the Western Pennsylvania Jewish community with pressing financial needs. Free grants with no repayment.
Conditions: Free — never repaid. For pressing expenses in the Western PA Jewish community.
FEMA Hazard Mitigation Grant Program (HMGP) — Puerto Rico
FEMA / COR3 Puerto Rico
Puerto Rico communities and municipalities rebuilding after disasters. Homeowners and businesses work through their local government to receive funds for earthquake-resistant, tsunami-resistant, or hurricane-resistant rebuilding. Available after any presidential disaster declaration.
Conditions: Free grant — never repaid. Homeowners cannot apply directly; your municipality applies on your behalf. 75% federal / 25% local cost share. Nearly $3 billion available for Puerto Rico.
FEMA Hazard Mitigation Grant Program (HMGP) — US Virgin Islands
FEMA / VITEMA
US Virgin Islands communities rebuilding stronger after hurricanes, earthquakes, or tsunamis. Local government applies for funds to elevate homes, reinforce structures, and build tsunami-resistant infrastructure. Available after any presidential disaster declaration.
Conditions: Free grant — never repaid. Administered by VITEMA. Homeowners cannot apply directly; the territory applies on behalf of communities. 75% federal / 25% local cost share.
NOAA National Tsunami Hazard Mitigation Program (NTHMP) Grants
NOAA / National Weather Service
Puerto Rico and US Virgin Islands communities for tsunami preparedness, evacuation mapping, warning systems, and public education. Puerto Rico is an active NTHMP member through the PR Seismic Network. The Caribbean has had ~100 tsunamis in 500 years — waves can reach shore in minutes.
Conditions: Free grant — never repaid. Awarded to state/territory programs and communities, not individuals directly. Funds evacuation maps, warning sirens, signage, and public education.
Puerto Rico TsunamiReady Program — Free Evacuation Maps
Puerto Rico Seismic Network (UPRM)
All Puerto Rico residents and visitors. Free tsunami evacuation maps, flood zone maps, and educational materials. The PR Seismic Network operates the Caribbean tsunami warning system and TsunamiReady community program.
Conditions: Free — never repaid. No application needed. Maps and evacuation routes are public. Communities can earn TsunamiReady designation by meeting NOAA standards.
FEMA Building Resilient Infrastructure & Communities (BRIC) — Pre-Disaster Mitigation
FEMA
Puerto Rico and US Virgin Islands local governments, territories, and tribes. Funds infrastructure projects that reduce risk before disaster strikes — seismic retrofits, tsunami evacuation infrastructure, flood barriers. $584M+ approved nationwide.
Conditions: Free grant — never repaid. Communities apply, not individuals. Pre-disaster — available before a disaster strikes, so communities can prepare for earthquakes, tsunamis, and volcanic hazards in advance.
FEMA Earthquake State Assistance Grant Program — Puerto Rico
FEMA
Puerto Rico and US Virgin Islands earthquake programs. Reduces risk of life and property loss from future earthquakes. The PR Seismic Network monitors the Mona Passage and Puerto Rico Trench — one of the most seismically active zones in the Caribbean.
Conditions: Free grant — never repaid. Awarded to state/territory earthquake programs, not individuals. Funds seismic monitoring, building code adoption, and public education.
FEMA Individual Assistance — Earthquake Damage (Puerto Rico)
FEMA
Up to $43,000
Puerto Rico residents whose homes or property were damaged by a federally declared earthquake. US citizens, non-citizen nationals, or qualified aliens. No income limit. Covers temporary housing, home repairs, and replacement of essential items.
Conditions: Free grant — never repaid. Must be used for earthquake-related damage only. Insurance must be exhausted first. Available after a presidential disaster declaration (e.g. DR-4473 for the 2020 earthquakes).
FEMA Individual Assistance — US Virgin Islands Disasters
FEMA
Up to $43,000
US Virgin Islands residents affected by a federally declared disaster — hurricane, earthquake, or tsunami. US citizens, non-citizen nationals, or qualified aliens. Covers temporary housing, home repairs, and essential property replacement.
Conditions: Free grant — never repaid. Must be used for disaster-related damage. Available after a presidential disaster declaration (hurricanes Irma/Maria and future earthquakes or tsunamis).
FEMA Individual Assistance (Puerto Rico)
FEMA
Up to $43,000
Puerto Rico residents affected by a federally declared disaster (hurricane, flood, earthquake). US citizens, non-citizen nationals, or qualified aliens. No income limit.
Conditions: Free grant — never repaid. Must be used for disaster-related needs only (temporary housing, home repairs, replacement of essential household items). Insurance must be exhausted first.
PAN — Programa de Asistencia Nutricional (Food Assistance)
Puerto Rico Department of the Family
Low-income Puerto Rico residents. Monthly food benefits loaded onto an EBT-style card. Operates entirely in Spanish. 90+ local offices across the island.
Conditions: Free — never repaid. Must be used for eligible food purchases. Recertify periodically.
HUD Puerto Rico — Housing Choice Voucher (Section 8)
U.S. Department of Housing and Urban Development
Low-income Puerto Rico residents. Pays a portion of rent directly to the landlord — tenant pays ~30% of income. Spanish-language application available.
Conditions: Free subsidy — never repaid. Must meet income limits and recertify annually. Long waitlists in some areas.
USDA Section 504 Home Repair Grant (Puerto Rico)
U.S. Department of Agriculture Rural Development
Up to $15,000
Homeowners 62+ in rural Puerto Rico with very low income. Grant for health/safety hazard removal. Up to $15,000 in disaster-declared areas.
Conditions: Free grant — never repaid. Must be used to remove health or safety hazards. Grant only (not the loan portion) does not require repayment.
CDBG-DR Homebuyer Assistance Program (Puerto Rico)
Puerto Rico Department of Housing — CDBG-DR Recovery
Up to $55,000
First-time homebuyers in Puerto Rico meeting income limits. Up to $55,000 toward down payment and closing costs. Operates in Spanish.
Conditions: Free grant — never repaid. Must be used for home purchase in Puerto Rico. Income and property eligibility requirements apply.
CDBG-DR R3 Home Repair Program (Puerto Rico)
Puerto Rico Department of Housing — CDBG-DR Recovery
Puerto Rico homeowners whose homes were damaged by Hurricanes Maria or Fiona. Free repair and rebuilding assistance. Operates in Spanish.
Conditions: Free grant — never repaid. Must be used for disaster-related home repair. Income and damage verification required.
LIHEAP — Puerto Rico Utility Bill Assistance
Puerto Rico Department of the Family (federal LIHEAP funds)
Low-income Puerto Rico families struggling to pay electric and utility bills. One-time or emergency assistance. Operates in Spanish.
Conditions: Free grant — never repaid. Must be used for eligible utility bills. Income limits apply.
Puerto Rico Medicaid / CHIP — Free Health Insurance
Puerto Rico Department of Health (Medicaid)
Low-income children, families, pregnant women, and eligible adults in Puerto Rico. Free or low-cost health coverage. Operates entirely in Spanish.
Conditions: Free — never repaid. Must meet income and category eligibility. Renew annually.
Verizon Small Business Digital Ready + LISC $10K Grant
Verizon / LISC
Up to $10,000
Small business owners in Puerto Rico and the US. $10,000 grants awarded monthly through December 2026. For-profit businesses. Free training included.
Conditions: Free grant — never repaid. Must be a for-profit business. Application and business plan required.
BIA Housing Improvement Program (HIP)
U.S. Bureau of Indian Affairs
Up to $7,500
Member of a federally recognized American Indian tribe or Alaska Native; live in an approved tribal area or Alaska Native community; income below applicable standard; unable to get housing help from any other source.
BIA General Assistance (GA)
U.S. Bureau of Indian Affairs
Member of a federally recognized tribe; income and resources below the state standard for assistance; not eligible for any other cash assistance program.
Conditions: Monthly cash payment — must reapply and meet income requirements.
Indian Health Service (IHS) — Free Healthcare
U.S. Indian Health Service
American Indian and/or Alaska Native who is a member of, or descendant of a member of, a federally recognized tribe. Care is provided at IHS hospitals and clinics nationwide.
Conditions: Free at IHS facilities — no enrollment fee, no premiums, no copays.
HUD Office of Native American Programs (ONAP)
U.S. Department of Housing & Urban Development
Federally recognized tribes, Alaska Native villages, and tribal members. Programs include Indian Housing Block Grants, community development, and housing assistance administered through tribes.
Conditions: Apply through your tribe or tribal housing authority.
Cherokee Nation — Emergency Housing Assistance
Cherokee Nation Human Services
Cherokee Nation citizens living within the Cherokee Nation jurisdictional area. Assistance paid directly to landlord or mortgage facility.
Conditions: Emergency housing only — for families facing immediate housing crisis.
Cherokee Nation — Tribal Emergency Assistance Program
Cherokee Nation Human Services
Cherokee Nation citizens living within the Cherokee Nation jurisdiction. For families whose needs cannot be met through any other resource or program.
Conditions: Emergency assistance only — for imminent need.
Administration for Native Americans (ANA) — Community & Economic Development
U.S. Administration for Children & Families
Federally recognized tribes, Alaska Native villages, Native American organizations, and nonprofits serving Native communities. Funds community projects, language preservation, and economic development.
Conditions: Organizational grants — for tribes and Native nonprofits providing services to Native communities.
BIA Higher Education Grants
U.S. Bureau of Indian Affairs
Member of a federally recognized tribe; enrolled in an accredited college or university; financial need. Apply through your tribe or BIA agency.
Conditions: Must maintain academic standing. Grant does not need to be repaid.
USDA Rural Development — Tribal Programs
U.S. Department of Agriculture
Tribes and tribal members in rural areas. Programs include housing assistance, water and waste systems, and community facilities.
Conditions: Some programs are loans with favorable terms — check each program. Grants do not require repayment.
Native American Rights Fund (NARF) — Free Legal Assistance
Native American Rights Fund
Native American individuals and tribes facing legal issues related to tribal sovereignty, land rights, treaty rights, and civil rights.
Conditions: Free legal representation — NARF is a nonprofit funded to serve Native rights.
BIA Financial Assistance & Social Services
U.S. Bureau of Indian Affairs
Member of a federally recognized tribe. Includes general assistance, child welfare services, adult protective services, and burial assistance.
Conditions: Income-qualified. Services provided through BIA agencies and tribal social service programs.
FEMA Individual Assistance — Available to Native Communities
U.S. Federal Emergency Management Agency
Disaster survivors in federally declared disaster areas — including all Native American and Alaska Native communities. Provides housing, repairs, replacement, and other needs assistance.
Conditions: Must register with FEMA after a federally declared disaster. No repayment required for grants.
HUD CDBG-DR Housing Rebuild
HUD
Up to $60,000
Low-to-moderate income homeowners in CDBG-DR disaster areas.
Conditions: Income limits; funds go to rebuild/repair housing.
LIHEAP — Energy Bill Help
HHS / State
Up to $1,200
Low-income households; helps pay heating/cooling and emergency energy bills.
Conditions: Income-based; one-time per program year.
SNAP (Food Stamps)
USDA / State
Up to $12,000
Low-income individuals and families; D-SNAP available after disasters.
Conditions: Income and work rules; monthly benefit on EBT card.
WIC — Women, Infants & Children
USDA
Pregnant/new moms and kids under 5 at nutritional risk.
Conditions: No SSN required for the child/applicant; income-based.
TANF — Cash for Families
HHS / State
Up to $6,000
Low-income families with children.
Conditions: Work requirements and time limits in most states.
Medicaid
CMS / State
Low-income adults, kids, pregnant women, disabled, seniors.
Conditions: Income-based; free or low-cost coverage.
CHIP — Children's Health Insurance
CMS / State
Kids in families earning too much for Medicaid.
Conditions: Many states cover children regardless of parents' status.
Community Health Centers (HRSA)
HRSA
Anyone — sliding-scale fees, no one turned away.
Conditions: No SSN required; pay based on income.
SSI — Supplemental Security Income
SSA
Up to $11,000
Disabled or 65+ with very low income/resources.
Conditions: Must have SSN; income/resource limits.
Social Security Survivor Benefits
SSA
Up to $18,000
Widows/widowers and minor children of deceased workers.
Conditions: Based on deceased's work record.
Pell Grant
U.S. Dept of Education
Up to $7,395
Undergraduate students with financial need.
Conditions: Never repaid; must be enrolled.
VA Disability Compensation
VA
Up to $39,000
Veterans with service-connected disability.
Conditions: Tax-free; never repaid.
VA Specially Adapted Housing
VA
Up to $117,000
Veterans with certain severe service-connected disabilities.
Conditions: For adapting/buying an accessible home.
VA Survivors Pension
VA
Up to $12,000
Surviving spouses/children of wartime veterans with low income.
Conditions: Income-based; tax-free.
Head Start / Early Head Start
HHS
Low-income families with children 0-5.
Conditions: Free early learning, health, and family support.
Modest Needs Grants
Modest Needs Foundation
Up to $1,500
Working individuals just above poverty facing a short-term crisis.
Conditions: One-time grant to prevent a slide into poverty.
Free Grant Directory (Lesko-style)
Grants.gov / Benefits.gov
Anyone — searchable directories of federal/state/private grants.
Conditions: Directory only; each grant has its own rules.
FEMA Individual Assistance
FEMA
Up to $43,000
Survivors in a federally declared disaster county whose home or property was damaged.
Conditions: Must apply; aid is for uninsured/under-insured essential losses.
FEMA Critical Needs Assistance
FEMA
Up to $700
Disaster survivors with immediate essential needs not covered by insurance.
Conditions: One-time payment; must register with FEMA.
USDA Rural Housing Repair
USDA Rural Development
Up to $10,000
Very-low-income rural homeowners 62+.
Conditions: Grant up to $10,000 (forgiven if 3-year residency met); loans up to $40,000 at 1%.
Public Service Loan Forgiveness
U.S. Dept of Education
Public-service workers with federal student loans.
Conditions: Forgiven after 120 qualifying payments while in a public-service job.
Income-Driven Repayment (IDR)
U.S. Dept of Education
Federal student loan borrowers with limited income.
Conditions: Payments capped to income; balance forgiven after 20-25 years.
IRS Disaster Tax Relief
IRS
Taxpayers in federally declared disaster areas.
Conditions: Extended deadlines; casualty-loss deduction available.
Hebrew Free Loan Society — Interest-Free Emergency Loans
Hebrew Free Loan Society (HFLS)
Jewish residents of NYC, Westchester, or Long Island. Also available through affiliate Hebrew Free Loan associations nationwide. For emergencies, large expenses, and general needs.
Conditions: LOAN — must be repaid, but zero interest. No debt-trap terms. Up to 30 years for some loans.
SBA Disaster Loans — Earthquake, Tsunami & Volcanic Damage (PR & USVI)
U.S. Small Business Administration
Puerto Rico and US Virgin Islands homeowners, renters, businesses, and nonprofits in federally declared disaster zones — including earthquakes and tsunamis. Covers physical damage and economic injury not covered by insurance.
Conditions: LOAN — must be repaid. Low interest: as low as 2.875% for homeowners/renters, 4% for businesses, 3.625% for nonprofits. Terms up to 30 years. Up to 20% of the verified loss can be added for mitigation (rebuilding stronger).
USDA Emergency Disaster Loans — Rural Farmers & Ranchers (PR & USVI)
USDA Farm Service Agency
Rural farmers, ranchers, and agricultural producers in Puerto Rico and US Virgin Islands affected by earthquakes, tsunamis, volcanic activity, or other declared disasters. Covers physical and production losses.
Conditions: LOAN — must be repaid. Low interest. Up to $500,000 for physical losses, $200,000 for operating losses. Available in federally declared disaster counties.
SBA Disaster Loan (Home/Personal)
SBA
Up to $200,000
Homeowners/renters in declared disaster areas.
Conditions: LOW-INTEREST LOAN — must be repaid; not free money.
Loan & Debt Consolidation — Optional, If You Choose to Borrow
Read this first. A loan is not free money — it must be repaid with interest, and it could put you deeper in debt. Try the free grants above first. If you decide a loan is the right path for your family, these partners can help. Survival Command may earn a commission if you take out a loan through these links — at no extra cost to you. That commission helps keep this platform free for families in crisis.
LendingTree
Loan comparisonCompare multiple lenders in one place
Fill out one form and see loan offers from multiple lenders side-by-side. Good for comparing rates before committing.
Visit PartnerCredible
Rate comparisonCompare personal loan rates — no impact to credit score
Pre-qualify with multiple lenders in minutes. Shows real rates without a hard credit pull, so you can compare before you commit.
Visit PartnerSoFi
Direct lenderPersonal loans & debt consolidation — no fees
Fixed-rate personal loans for debt consolidation, home repair, or relocation. No origination fees, no prepayment penalties. Good credit required.
Visit PartnerUpstart
Direct lenderLoans for fair or limited credit history
Considers education and job history — not just credit score. Good option if a disaster hurt your credit but you have steady income.
Visit PartnerNational Foundation for Credit Counseling (NFCC)
Free nonprofit helpFree nonprofit credit & debt counseling
Not a loan — free, confidential counseling from a certified nonprofit. They help you build a debt management plan and negotiate with creditors. Start here before borrowing.
Visit PartnerExperian DebtHelp
Free educationUnderstand your options — consolidation, settlement, management
Free educational resource explaining the difference between debt consolidation, settlement, and management plans so you choose wisely.
Visit PartnerSurvival Command is not a lender and does not make loan decisions. We do not receive your loan application — you apply directly with the provider. APR, terms, and eligibility vary by lender and credit profile. Always read the full loan agreement before signing. If a lender asks for money upfront, it is a scam.
Survival Command lists these programs for situational awareness. We are not affiliated with any provider. Always confirm eligibility and deadlines directly with the granting organization. Free grants never require repayment — if any "grant" asks you to pay money upfront, it is a scam.