Free money from the government is available through a variety of government programs. Right now with so many people suffering financially, taking the time out to apply for some of these programs and services can really make a difference.

Below are 10 ways to get free money from the government


1. Look For Unclaimed Money

Money that is owed to you may be floating around out there unclaimed.  For this reason, the National Association of State Treasurer’s created the website  All you have to do is put in your information and it will run a search to see if you have money waiting to be claimed.  Some of these funds may be from apartment deposits, utility payment overages, insurance reimbursements, forgotten savings bonds, and even pay checks that were never cashed.

2. Find Unclaimed Pension Funds

If you’ve left an employer because of a layoff, acquisition or for any other reason, you may have forgotten about your pension fund. This free money from the government is just waiting for you to collect it. Lucky for you, the keeps track of these funds and you can search their database to see if your name is there.  Currently, there are  over 70k names on their unclaimed pensions list.

3. Look Into a Down Payment Program

Having enough money to put a down payment on a home is one of the biggest hurdles for most people. One thing you may not know is that the government can help. They have down payment programs that have various requirements and benefits. Each state has their own sponsored programs.  You can visit the FHA’s down payment grant page to search for your state.

4. Educational Grants Can Help Pay For College

We all know how expensive college is and the price will only continue to go up.  With that being said, the cost can be offset by educational grants from the government. One of the best grants you can look into from the government is the Federal Pell Grant. For the 2020-2021 school year, the grant will be paying out $6,345.  Furthermore, this grant does not have to be repaid. Free money from the government is great isn’t it?  You do have to fill out the FAFSA before you can qualify for the Pell.

Aside from the Pell Grant, there are hundreds of other grants out there based on things like major, interest, or career.  Some are even based on local area.  It is recommended of course that you apply for the Pell grant first. From there, you can apply to as many grant applications that you can find.  Here is a great place to start searching.

5. Get Help With Childcare Expenses

If you work and your children are in any form of child care, you know how expensive it can be.  Especially if you have multiple young children.  As an employed individual, the government does have a program that may be able to help you out with the cost of your child care. The Child Care and Development Fund offered by The U.S. Department of Health and Human Services, can offer assistance. The children typically need to be 13 years of age or younger. Check the CCDF’s site to find funding options for your area.

6. Get Assistance With Utilities

On average, Americans spend over $300 per month on basic utilities. This is a lot of money for most people and those bills fluctuate especially during the summer and winter months.  Good thing the government offers their Low Income Home Energy Assistance Program which provides funds for those that need it.

These grants (funded by the U.S. Department of Health and Human Services) are managed through state programs and help with your cooling and heating expenses. In order to see if you qualify for this free money from the government, visit the LIHEAP website to search for your state’s available programs.

7. Get Help With Your Phone Service Bill

If you meet the income requirements, the government offers their Lifeline Program which is the FCC’s free and reduced-cost cell phone grant.  This grant will allow you to have access to cell phone service for job related means as well as for safety and well-being.  The amount you receive per month will be based upon need and there are a number of cell phone service providers to choose from.

8.  Free Tax Preparation May Await You

Many people need help filing their taxes. Unfortunately, hiring a tax pro to do the paperwork can be expensive.  If you meet the income requirements, you may qualify for the IRS’s free tax preparation help through their Volunteer Income Tax Assistance program.  In order to qualify, you have to make less than $54k a year, be a person with disabilities, or have limited English-speaking abilities.

If you fall into the 60 or older bracket, there is the Tax Counseling for the Elderly program.  This program provides free information to those that are nearing retirement.  They answer questions about pensions, retirement, income, and taxes.

9. See If You Qualify For SSI 

If you are over the age of 65 and are temporarily or permanently disabled or have a child who is disabled, you may be eligible for supplemental security income (SSI) benefits. You do have to meet certain income requirements and if you have worked long enough, you may even qualify to receive SSI along with your traditional Social Security retirement benefits.

10. See If You Qualify For Reduced Healthcare Insurance for Your Kids

Healthcare right now is exorbitant and you don’t even get great benefits.  If you are having trouble making health insurance payments and you meet the low-income requirements, check out  You may be eligible for free or reduced health insurance. coverage. There are services like the Children’s Health Insurance Program and local Medicaid programs. You can search for local health care providers, dentists as well as apply for your state’s specific programs.

Free Money From The Government Is Possible

They usually say nothing in life is for free.  Unless of course you can qualify for free money from the government.  If you have hit hard financial times, there is help out there.  Check out the programs above to see if you qualify.