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110 Government Programs To Pay Your Debt
Programs for Families Making $5,000 to $500,000 a Year
By Matthew Lesko
The Truth About Government Grants
We have all heard about government grants and seen plenty of salesmen, like me, and web sites, like ours, screaming at you to get your share. With all this noise I want you to know that the TRUTH is:
Don't Google It
Go ahead. Do a Google search now and look for help with your debt. Here is what you will get:
You now have a bigger problem than when you started. You wanted only one grant and now you have over 100 million sources to investigate and 80% of these web sources are private companies who want to charge you a lot of money to help you look for a grant. You are likely to send one of the companies a lot of money and still not get what you need. Most of these businesses may tell you about the major programs but the government is a complicated octopus and these companies don't know where the good stuff is.
I've been studying government programs for over 25 years and written over 100 books on the subject. I have authored columns for Good Housekeeping Magazine, The New York Times Syndicate and the Chicago Tribune. My books are even used by Harvard University and by US Army at Walter Reed Hospital to train returning Iraqi War Vets. We educate these vets about the benefits that are not only at Defense and Veterans Administration, but also the thousands of programs that are available to anyone from hundreds of other agencies.
You Don't Need A Grant Writer
The biggest urban myth in America is that people need a professional grant writer to apply for government money that will help with their debts. This is no where near the truth. It is a myth perpetuated by grant writing salesmen. Only if you are a non-profit organization will you "maybe" need a grant writer. The average person will only have to fill out a 4 to 6 page "fill in the blanks" application to get the money. Most every program in this report is a simple fill in the blank application. Also grant writers will not tell you that 80% of the free government money available is not even called "grants," so you are not very likely to get one of those "grant" applications. If you don't believe me, at least get a look at the application that YOU want to fill out before you even consider spending money on a grant writer. It is silly to spend money on something you are not positive you need. Keep your money in your pocket. You need it for your debts.
Now let me show you the main government programs that will help you pay your debt. If you are looking for money to pay credit card bills, you have to be a little creative because the government does not have money that has the title Credit Card Bills. You can apply for general money which can be used for anything and you can apply for programs that pay other bills to free up money for your credit card company
For 10,000 more programs like those below and for free training and assistance to get the money and help to which you are entitled contact www.MyAmericanBenefitsPlan.com
Programs For Families Making Up to $500,000 A Year
The programs listed below are just a sample of the thousands of programs available to Americans with incomes UP TO $500,000. To investigate additional programs contact your elected official, the state and local governments, your local public library or go to www.MyAmericanBenefitsPlan.com. Some programs are listed with a 5 digit reference number (ex. 10.450). This number refers to the program listing in the Catalog of Federal Domestic Assistance. This Catalogue provides information on every money program the government offers. You can search by keyword or reference number at www.cfda.gov
1) $10,000 For Down Payment, Closing Costs or Rehabilitation
First time single parent home buyers 80% of the median family income (approx $50,000) can apply for grants up to $10,000. Find a local U.S. HUD approved housing counseling agency in your area by calling 1-800-569-4287 or go to http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm. For the national office contact American Dream Downpayment Initiative, U.S. Department of Housing and Urban Development at http://www.hud.gov/offices/cpd/affordablehousing/programs/home/addi/index.cfm
2) Make $40,000 & Get Free Prescription Drugs
Valium, Prozac, and Dilantin are just a few of the medications you can get FREE directly from the drug companies themselves. Each company has separate requirements, some have no income requirements but you must show a need. Your doctor needs to sign a form stating that you cannot afford the drugs that you need. Once the forms are filled out the prescriptions are shipped directly to your doctor's office. Contact Partnership for Prescription Assistance; 888-4PPA-NOW; https://www.pparx.org/Intro.php
3) Up To $10,400/Yr For Seniors
Seniors over 65 or blind or disabled with incomes up to $9,400 can qualify for Supplemental Security Income. They must meet certain income requirements, although there are many exemptions and deductions. Thousands of people qualify, but don't apply. To apply call 1-800-772-1213 or go to http://www.socialsecurity.gov/ssi/index.htm
4) Up To $10,700/Yr If You Can't Work Because Of A Disability
You must have worked in a job covered by Social Security and have a medical condition covered by Social Security's definition of a disability that can keep you out of work for at least one year. There are no income requirements. To apply 1-800-772-1213 or go to http://www.ssa.gov/applyfordisability/adult.htm
5) Extra $1,122 For Seniors and Disabled
Singles making up to $14,028 and couples up to $18,732 are eligible for $1,122 extra in their Social Security check. That's how much the government deducts for Medicare Part B payments. There are three programs: Qualified Medicare Beneficiaries Plan, Specified Low-Income Medicare Beneficiaries Plan and Qualified Individual. For the national office contact Medicare Hotline at 800-MEDICARE or go to www.medicare.gov. Request information about Medicare Savings Programs by getting the publication, "Guide to Health Insurance for People with Medicare."
6) Free Dental Care for Kids
Many dentists will provide free dental care, according to an American Dental Association survey that states, "75% of its members provide charitable care." You can find free dental services offered in your state at www.prnewswire.com/mnr/ada/10357. Just click on your state. Many Dental Colleges offer reduced fee dental and orthodontic work. Income requirements vary. Check out schools near you at American Dental Association, 211 East Chicago Ave., Chicago, IL 60611-2678; 312-440-2500; http://www.ada.org/prof/ed/programs/search_ddsdmd_us.asp
7) Free Health Care When You Have No Insurance Coverage
Healthcare centers around the country offer everything from mental health to dental services. Each facility has different income requirements, normally on a sliding scale
Contact Health Resources and Services Administration, U.S. Department of Health and Human Services; http://www.ask.hrsa.gov/pc/
8) 3.5 Million Families Can Get A Check for Up To $4,536
You can make up to $38,348 and still be eligible for an IRS Tax Credit. This is better than a refund because they will give it to you even if you don't pay any taxes. Get the free publication called IRS Publication 596, Earned Income Tax Credit by calling 1-800-829-3676 or go to www.irs.gov/pub/irs-pdf/p596.pdf. Free tax services are available for incomes up to $35,000 from Volunteer Income Tax Assistance (VITA). To find your local VITA program contact your local public library or your Congressman's office at www.congress.org. You can also try the IRS hotline at 1-800-TAX-1040; or see www.irs.gov/individuals/article/0,,id=119845,00.html
9) Save $120 On Your Phone Bill
Under the Federal Communication Commission's Link-Up American and Lifeline programs, low-income households seeking telephone service are give a 50% discount on local connection charges, and may be able to pay installment payments on the remaining charges. You may also receive discounts up to $10 per month on the phone line charges. Income requirements go up to $27,878 for a family of 4. Contact your local phone company or check out the FCC at http://www.lifeline.gov/lifeline_Consumers.html or apply at http://www.lifelinesupport.org/li/low-income/lifelinesupport/browser/
10) $5,000 Worth of Free Health Care for Kids
There are over 6 million families who are eligible and don't apply for this program that gives free health care services for kids. Almost every state now has a Children's Health Insurance Program (CHIPS), which extends medical coverage to many children. Income eligibility requirements can go up to $60,000 for a family of 4. For more information on a national level call 877-KIDS-NOW; 877-543-7669 or go to www.insurekidsnow.gov
11) $6,000/Yr to Pay for Groceries
Government studies show that over 16 million families are eligible for this money, but are not applying. Income eligibility requirements go up to $26,856 for a family of 4. For the national Food Stamp Program office contact U.S. Department of Agriculture, Food and Nutrition Service, 3101 Park Ctr., Dr., Park Office Center Bldg., Alexandria, VA 22302; 703-305-2276; http://www.fns.usda.gov/fsp/
12) $1,200/Month In Day Care Money While You Look For Work
The Child Care and Development Block Grant gives money to states to help families meet their child care needs. Parents may choose from a variety of child care providers, including center-based, family child care and in-home care, care provided by relatives, and even sectarian child care providers. You can even get money to start a day care center! Income eligibility requirements vary by state, but go up to $37,080 for a family of 4. For the National Office contact National Child Care Information Center, 243 Church Street, NW, Vienna, VA 22180; 800-616-2242; http://nccic.org
13) $1,800 Food Money for Women & Children
The Women, Infant and Children (WIC) Program provides nutritious foods to supplement diets, information on healthy eating, and referrals to health care. WIC foods include iron-fortified infant formula and infant cereal, iron-fortified adult cereal, vitamin C-rich fruit and/or vegetable juice, eggs, milk, cheese, peanut butter, dried beans or peas, tuna fish and carrots. A WIC Farmer's Market Program is also available. Income eligibility goes up to $38,203 for a family of 4. For the national office contact WIC, www.fns.usda.gov/fns/ For information on how to apply, go to http://www.fns.usda.gov/wic/howtoapply/
14) $2,826 to Pay Your Insulation Bills
As many as 20-30 million people are eligible to receive storm windows, insulation, and even weather-stripping that can help reduce their heating and cooling bills through the U.S. Department of Energy's Weatherization Assistance program. Preference is given to persons over 60, those with disabilities and families with children. Apply through your state weatherization agency. Income eligibility requirements go up to $30,975 for a family of 4. Contact Weatherization Assistance Programs Branch, EE44, U.S. Department of Energy, 1000 Independence Ave., SW, Washington, DC 20585; 877-337-3463; http://www.eere.energy.gov/weatherization/
15) Free Speech Therapy for Toddlers
Your child can be tested to see if any speech problems are developing and even get free speech therapy. The U.S. Individuals with Disabilities Education Act (IDEA) assures that children in need receive special education beginning on their third birthday, and in some states, it starts at age two. Check local school district or your state Department of Education. Contact Office of Special Education and Rehabilitative Services, U.S. Department of Education, 400 Maryland Ave., SW, Washington, DC 20202; 202-245-7468; www.ed.gov/about/offices/list/osers/index.html. (Income Eligibility: Family of 4 - $29,500. This varies from county to county so you must check with your local office to determine eligibility.)
16) Families Receive Cash, Child Care, Transportation, Health Care & Job Training
Under a program called Temporary Assistance for Needy Families (TANF), low income families with children are eligible for a full range of cash and services to help them become strong and economically self reliant. Income eligibility requirements go up to $9,708 for a family of 4. Contact your local Social Services office. For the national office contact Administration for Children & Families, U.S. Department of Health and Human Services, 370 L'Enfant Promenade, SW, Washington, DC 20201; http://www.acf.dhhs.gov/programs/ofa/
17) Free Health Insurance
Medicaid helps low income people pay for medical bills, doctor visits, and even prescription drugs. This program covers approximately 40 million individuals including children, the aged, blink and/or disabled, and those who are eligible for federally assisted income maintenance payments. Each State establishes their own eligibility standards and administers their own program. Contact your state department of health located in your state capitol to learn more. You can find the office at www.govengine.com
18) $2,800 To Pay Your Heating Bill
Low-Income Home Energy Assistance Program (LIHEAP) offers heating and cooling subsidies and energy crisis intervention to assist in weather-related or fuel supply shortages and household energy-related emergencies, such as utility shutoffs. Income eligibility requirements go up to $36,137 for a family of 4. For the national office contact Office of Community Services, Division of Energy Assistance, Administration for Children and Families, U.S. Department of Health and Human Services, 370 L'Enfant Promenade, SW, 5th Floor West, Washington, DC 20447; 866-674-6327; www.acf.dhhs.gov/programs/liheap
19) $27,500 In Grants and Loans to Fix Up Your Home
The Section 504 Rural Housing Repair and Loan program provides low interest long-term loans (up to $20,000) and grants (up to $7,500) help low-income homeowners in rural areas to repair, improve, or modernize their dwellings or to remove health and safety hazards. Income eligibility requirements go up to 50% of median family income- about $31,366. Grant funds are only available to homeowners aged 62 or older. For the national office contact Single-Family Housing Processing Division, Rural Housing Service, Department of Agriculture, Washington, DC 20250; 202-720-1474; http://www.rurdev.usda.gov/rhs/common/program_info.htm#SFH
20) Emergency Rent Money
Close to half the states offer some type of emergency assistance to help prevent homelessness. These programs sometimes focus on exclusively on families or those of very low-income. Who operates these programs also varies from place to place, as do income eligibility requirements. You should check your local Social Services Department, local housing programs, or with the welfare office or local community action agency http://www.communityactionpartnership.com/
21) $500 To Stop Utility Cut Offs
Many programs help people financially and legally from having their utilities turned off. To find programs you may qualify for in your area you must search: 1) your city or township government, 2) your county government, and 3) local non-profit agencies and local development corporations. Make sure you check with all of the following offices for help in locating appropriate organizations in your area: 1) your local library, 2) your local elected officials, 3) your local United Way, and 4) all housing agencies in your area. Local government offices can be identified at www.govengine.com; your local United Way at http://national.unitedway.org/myuw/; and your local community action agency at http://www.communityactionpartnership.com/ Income requirements vary for agency to agency.
22) Free Mammograms And Breast And Cervical Cancer Treatment
The Centers for Disease Control will spend about $200 million a year to maintain a state-by-state program to establish greater access to screening and follow-up services. To find the program contact for your state, go to http://apps.nccd.cdc.gov/cancercontacts/npcr/contacts.asp. Most states have the following requirements: women starting at 40 or 50 years old, are underinsured or have no insurance, and have income below a certain level (usually $46,000 for a family of 4). Most states include: breast and cervical cancer screening, mammograms, treatment if diagnosed with cancer, breast reconstruction or prosthesis. Contact your county office of public health listed in your telephone book or your state Department of Health. Also contact the main office of this program at Division of Cancer Prevention and Control, National Center for Chronic Disease Prevention and Health Promotion, Center for Disease Control and Prevention, 4770 Buford Highway, NE, MS K-64, Atlanta, GA 30341-3717, 770-488-4751; 888-842-6355; Fax: 770-488-4760;
23) $3 For Every $1 Dollar You Save
Individual Development Accounts are designed to help low-income people save for a down payment, college, or a small business, and funds are matched with one dollar from the government and one dollar from private funds. A short course on money management is usually required. Income eligibility varies, although generally a family of 4 can make $40,000. To learn more about the program or to see what may be available in your community, contact Corporation for Enterprise Development, 777 N. Capitol St., NE, Suite 800, Washington, DC 20002; 202-408-9788; http://cfed.org/programs/idas/
24) Free Money For Members of Armed Services and Vets to Pay Bills
Members of the armed services and their families can contact the Red Cross for help in cases of emergency. Services they can provide include communicating with family members, emergency financial assistance, counseling and more. Contact the American Red Cross National Headquarters, 2025 E Street NW, Washington, DC 20006; 202-303-4498; http://www.redcross.org/services/afes/0,1082,0_321_,00.html
25) Volunteers Will Fix-Up Your (or Your Mom's) Home for Free
Many service organizations have organized community service days, where the town is beautified along with certain homes in need of repair. Christmas in April is a national organization with over 185 affiliates that gather together volunteers to help rehabilitate the homes of low-income homeowners. The work is done for free with the goal being to provide a safe and secure home for those in need. Contact your city government, your county government, your local community development office, or Rebuilding Together http://www.rebuildingtogether.org to learn about local programs.
26) 400 Organizations Help Low-Income People Start a Business
Members of the Association for Enterprise Opportunity provide free and low-cost assistance and training, as well as financial assistance, to underserved populations who want to start a business including "people with low incomes and welfare recipients." Contact Association for Enterprise Opportunity, 1601 North Kent Street, Suite 1101, Arlington, VA 22209, 703-841-7760, Fax: 703-841-7748, Email: firstname.lastname@example.org, www.microenterpriseworks.org; http://www.microenterpriseworks.org/index.asp?bid=282
27) Get $3,000 Worth Of Free Tutoring For Your Child
The President's "No Child Left Behind" offers free tutoring from private companies to school children around the country. New York estimates that only 10,000 of the 240,000 eligible children have applied for the program. Your child is generally eligible if they receive free or reduced priced school lunch. Contact your local school board or http://www.nochildleftbehind.gov/parents/supplementalservices/index.html
28) $8,000 To Train For A New Job
Those looking for work can apply for money and re-training under the Economic Dislocation and Worker Adjustment Assistance Act. The program is administered by each state, and differs from state to state. To contact the national office or to find your local one-stop career center in your area contact: Employment and Training Administration, U.S. Department of Labor, Room N-5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-693-3580; 877-US2-JOBS; One-Stop Career Center Locator at http://www.servicelocator.org/
29) 25 Million Seniors and Doctors Are Unaware Of Free Health Services
Nine out of ten seniors visit a doctor once a year but don't know that Medicare will cover immunizations for Influenza, Hepatitis B, and Pneumococcal, as well as screenings for cervical cancer (pap smear), breast cancer (mammography), vaginal cancer (pelvic exam), colorectal cancer (fecal-occult blood test), colorectal cancer (flexible sigmiodoscopy or colonoscopy), osteoporosis (bone mass measurement), prostate cancer (prostate specific antigen test and/or digital rectal examination), and glaucoma.
There is no income eligibility with Medicare.
30) $3,000 For Your Boss To Train You
Most every state has grant money to train their workers. Many big businesses take advantage of this, but most small businesses have no idea it's there. Workers can tell their bosses or prospective employers about this program so they can get the job they want or the raise they deserve. There are no income requirements. To contact the national office or to find your local one-stop career centers in your area contact: Employment and Training Administration, U.S. Department of Labor, Room N-5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-693-3580; 877-US2-JOBS; One-Stop Career Center Locator at http://www.servicelocator.org/
31) $657 Million Available in Uncollected Child Support
The government has been very successful at collecting child support money from deadbeat spouses' tax returns and other sources, but families are not getting this money. The government is sitting on it waiting for custodial parents to call. There are no income requirements. For the national office contact Office of Child Support Enforcement, Administration for Children and Families, U.S. Department of Health and Human Services, Washington, DC 20447; 202-401-9383; http://www.acf.hhs.gov/programs/cse/
32) Live in A Country Inn For Free
Through the Resident-Curatorship Program people can sometimes enter into a lease agreement with a state to restore the historic property and maintain it in good condition in exchange for living in the property in a lifetime leasehold. That means no mortgage payment and no property taxes, but you must have the funds to restore the home. Resident-Curator programs have been established in Massachusetts, Maryland, Delaware, and Vermont (Pennsylvania is in discussion on the program). To learn more about the program or to see if your state may offer this service contact your state Department of Natural Resources which can found at www.govengine.com or the State Historic Preservation Office at http://www.nationaltrust.org/help/statewide_org.asp
33) Free Lawyers for Millionaires To Collect Child Support
No matter what your income, you can get the most powerful organization in the world, your government, to fight for you to:
1. Establish paternity;
2. Set up a court order for child support;
3. Track down a missing parent and collect your child support;
4. Get the courts to adjust child support orders when circumstances change.
Contact your state Child Support Enforcement Office, or contact Office of Child Support Enforcement, U.S. Department of Health and Human Services, 370 L'Enfant Promenade, SW, Washington, DC 20447; 202-401-9383; http://www.acf.hhs.gov/programs/cse/
34) Free or Low Cost Alcohol and Drug Abuse Counseling & Treatment
Georgia provides outpatient counseling services, short-term residential programs, and even student assistance programs. Florida provides substance abuse treatment programs through a partnership with not-for-profit community providers. Contact your state Department of Health to see what your state has to offer. Income requirements vary from program to program. National Drug and Treatment Routing Service, Substance Abuse and Mental Health Services Administration's (SAMHSA), National Institute on Alcohol Abuse and Alcoholism (NIAAA), 5635 Fishers Lane, MSC 9304, Bethesda, Maryland 20892-9304; 800-662-HELP; http://findtreatment.samhsa.gov/. The National Clearinghouse for Alcohol and Drug Information, 11420 Rockville Pike, Suite 200, Rockville, MD 20852; 800-729-6686 24 hours a day; 800-487-4889 TDD; http://ncadi.samhsa.gov/.
35) $25,000 for Elementary School Teachers
The H. E. Butt Grocery Company makes charitable contributions to nonprofit organizations involved with arts and culture, education, food distribution, recreation, economic development, and to food banks. It also awards 30 grants ($1,000 to $25,000) to K-12 teachers whose leadership and dedication inspire a love of learning in students of all backgrounds and abilities. Teachers must meet certain guidelines including currently teaching in the H-E-B service area. Contact H-E-B Excellence in Education Awards, 6929 Airport Boulevard, Suite 176, Austin, TX 78752; 210-938-8357; 800-432-3113; http://www.heb.com/aboutHEB/HH.jsp
36) $100,000 To Sell Your Food Product Overseas
The purpose of this program is to develop, maintain and expand long-term export markets for U.S. agricultural products. Funding from this program may be used for trade servicing, market research and technical assistance to actual or potential foreign purchasers of U.S. commodities. For more information on the program (10.600 Foreign Market Development Cooperation Program) contact the U.S. Department of Agriculture, Foreign Agricultural Service, Deputy Administrator, Commodity and Marketing Programs, 1400 Independence Ave., SW, Washington, DC 20250; 202-720-4761; www.fas.usda.gov/mos/programs/fmdprogram.asp
37) Buy a HUD-Foreclosed Multi-Family Property
The U.S. Department of Housing and Urban Development sometimes needs to sell multi-family housing projects it owns or are subject to a mortgage held by the Department. The property can also be sold with a grant for the rehabilitation of the property if the new owners meet certain requirements. (14.199 Multifamily Property Disposition) To learn about possible foreclosure sales, contact a Realtor or Department of Housing and Urban Development, Office of Housing, Multifamily Housing Programs, Office of Asset Management, Room 6160, 451 7th Street, SW., Washington, DC 20410; http://www.hud.gov/offices/hsg/mfh/pd/multifam.cfm
38) $25,000 to Start a Business in the Middle East
Though the Middle East Partnership Initiative's Small Grants Program, grass-roots Middle Eastern companies can get up to $25,000 in funding. Contact Middle East Partnership Initiative, U.S. Department of State, Harry S. Truman Building, NEA/PI, 2201 C Street, NW Rm. 6258, Washington, DC 20520; 202-776-8570; http://www.mepi.state.gov/ or http://mepi.state.gov/28088.htm#mepisgrants.
39) $14,000 To Learn To Operate A Business
If you are out of work, you may be able to get money to live on as well as money to pay for entrepreneur training in order to run your own business. Each state has different rules and the main idea is that they have money for you to train to get a better job along with money to live on while you are training. And your new job can be starting your own business. These programs are run through your state One-Stop Career Center. You can find your local office by calling 411 and asking for the state capital operator in your state capital. Ask for your local "One -Stop Career Center. Or call 877-US2-JOBS; http://www.careeronestop.org/
40) $5,000 to Pay Travel Costs when Studying Overseas
The Council on International Education Exchange offers grants for students to help pay travel costs and studying in Central and South America, the Caribbean, Asia, and Africa. Students must demonstrate academic preparation and financial need. Grants are generally around $1,000 to $5,000. Contact Council on International Educational Exchange, 30o Fore St., Portland, ME 04101; 800-40-Study or 207-553-7600; Fax: 207-553-7699; www.ciee.org
41) $75,000 for Businesses Hurt by Imports
Through Trade Adjustment Assistance, the Economic Department Administration uses a national network of twelve Trade Adjustment Assistance Centers to help manufacturers and producers affected by increased imports prepare and implement strategies to guide their economic recovery. Contact your local regional EDA office or the U.S. Department of Commerce, Economic Development Administration, 1401Constitution Avenue, N.W., Washington, DC 20230; http://www.eda.gov/.
42) Free Meals for Seniors
People 60 and over who are homebound because of illness, incapacity, or disability or who are otherwise isolated can receive hot meals delivered to their home. There is no income requirement. Contact your local area agency on aging or your state Department on Aging to learn who you need to contact in your area. You can also contact the Eldercare Locator hotline at 800-677-1116 for more assistance.
43) $12 Million To Start A Real Big Business
The government offers venture capital through the Small Business Administration's Small Business Investment Companies (SBIC). Over 75,000 entrepreneurs received money from this source to get their dreams off the ground, including the big guys like Compaq, Apple, Federal Express and Staples. See how they can help you at Investment Division, U.S. SBA, 202-205-6510 or http://www.sba.gov/aboutsba/sbaprograms/inv/index.html. Many states also have venture capital programs. There is no income eligibility. Contact your State Government Office of Economic Development located in your state capital. Go to www.govengine.com and click on your state and find the office that is listed under business and/or economic development.
44) $10,000 Bonus To Teach If You're A Vet
Troops to Teacher's primary objective is to help recruit military personnel to become teachers for schools that serve low-income families. Financial assistance may be provided to eligible individuals as stipends up to $5,000 to help pay for teacher certification costs or as bonuses of $10,000. Stipend and bonus recipients must agree to teach for three years in school locations that meet certain Department of Education criteria. No income eligibility requirement. Contact DANTES Troops to Teachers, 6490 Saufley Field Road, Pensacola, FL 32509-5243; 850-452-1241; 800-231-6242; http://www.dantes.doded.mil/dantes_web/troopstoteachers/index.asp?Flag=True
45) Two Weeks Free Travel on a Government Weather Ship
Teachers from elementary to college can climb aboard a NOAA research and survey ship to work under the tutelage of knowledgeable scientists and crew. Teachers can gain first hand knowledge to help enrich their classrooms. Teachers may choose from one of 18 ships that conduct a variety of scientific research. Office of Marine and Aviation Operations, Education and Teacher at Sea Program Manager, 8403 Colesville Road, Suite 500, Silver Spring, MD 20910; 301-713-7610; http://teacheratsea.noaa.gov/
46) Grants for Alzheimer Caregivers
If you are a caregiver for an Alzheimer's or memory disorder patient in Vermont, you may be eligible for a grant to pay for adult day care or a private caregiver, take a short respite, or pay for housekeeping. Income requirements vary. Contact Council on Aging for Southeastern Vermont, 56 Main St., Springfield, VT 05156; 802-885-2655;
http://www.vermontel.net/~coasevt/caregiver_respite.html. For programs in other areas of Vermont or other states contact your state office on aging by going to
http://www.aoa.gov/eldfam/How_To_Find/Agencies/Agencies.asp or by calling the
Eldercare Hotline at 1-800-677-1666. Income requirements vary.
47) $25,000 for your Jazz Band to Perform Overseas
The Rhythm Road - American Music Abroad program presents selected professional American performers of jazz and urban music styles on concert tours in countries where there is limited exposure to live American culture. In addition to public performances, they may conduct workshops and master classes. Contact Cultural Programs Division, Bureau of Educational and Cultural Affairs, U.S. Department of State, SA-44, 301 4th St. SW, Room 568, Washington, DC 20547; 202 203-7523; Fax: 202-619-7525; http://exchanges.state.gov/education/citizens/culture/performing/index.htm.
48) Free Legal Help To Fight The IRS
The Tax Advocate Service (TAS) helps individuals and business taxpayers resolve their IRS tax problems. This service is designed to help taxpayers who are facing hardships or economic burden that have been unable to resolve their problem through normal channels. For more information, contact: Office of the National Taxpayer Advocate, 1111 Constitution Ave., NW, Room 3031, Washington, DC 20224; 202-622-4300; 877-777-4778; Fax: 202-622-4778; www.irs.gov/advocate. There are no income requirements.
49) $15,000 Grant for Owners or Developers in Small Towns to Fix-Up Their Homes
The Housing Preservation Grants program provides funds to repair or rehabilitate individual housing, rental properties, or co-ops owned and/or occupied by very low- and low-income rural persons. Assistance is also available to rental property owners to repair and rehabilitate their units providing they agree to make such units available to very low- and low-income families. (10.433 Rural Housing Preservation Grants) Contact your state, area or local Rural Development office or contact Multi-Family Housing, U.S. Department of Agriculture, Washington, DC 20250; 202-690-1533; www.rurdev.usda.gov.
50) $2,000 Off Your Dental Bills
There are close to 60 dental schools in the country that offer quality care at a fraction of the cost of private dentists. Sure you get a senior student, but you also get a professor who is better than most private practitioners. Most also offer payment plans. For a school near you go to: http://www.ada.org/prof/ed/programs/search_ddsdmd_us.asp Also, the National Foundation of Dentistry for the Handicapped started the Donated Dental Services program to help disabled and elderly persons who are low-income by matching them with volunteer dentists. To learn where services are located in your area, contact National Foundation of Dentistry for the Handicapped, 1800 15th St., Suite 100, Denver, CO 80202; 303-534-5360, Fax: 303-534-5290; www.nfdh.org. Income requirements vary.
51) A Drug Sniffing Dog Of Your Own
Customs' Canine Enforcement Program (CEP) narcotic detector dogs are taught to detect concealed narcotics, such as heroin, cocaine, marijuana, ecstasy, methamphetamine, and other dangerous substances. Some dogs are trained to detect either currency, concealed humans, agriculture products or dangerous materials that could be used by terrorists. The CEP employs dogs as long as they can successfully perform and meet workload requirements. The service career of a detector dog will typically last no longer than eight years. Upon retirement, their handlers usually adopt the dogs or a good home is found for the animal. For more information contact U.S. Customs and Border Protection, 1300 Pennsylvania Ave., NW, Washington, DC 20229; 202-354-1000; http://www.cbp.gov/xp/cgov/border_security/canines/
52) $100,000 To Become A Freelancer Working From Your Kitchen Table
There are free offices around the country that will help any freelancer get government contracts. The government buys: legal services, web design, aerobic instructors, landscaping, cleaning, and even stand-up comics. Contact the state Office of Economic Development located in your state capital or your local Procurement Assistance Office who can match the product or service you are selling with the appropriate agency, and then help you market your wares effectively. To find the office nearest you, contact Small and Disadvantaged Business Utilization Office, Cameron Station, Room 4B110, Defense Logistics Agency, Alexandria, VA 22304; 703-767-1661; http://www.dla.mil/SmallBusiness/Pages/ProcurementTechnicalAssistanceCenters.aspx
53) "WOW!...The Government Will Pay My Mortgage"
There are now programs that will make your mortgage payments for you when you get into financial trouble. For example, Pennsylvania law, 35 P.S. § 1680.401 et seq., states it will provide "mortgage assistance payments to homeowners who are in danger of losing their homes through foreclosure and through no fault of their own and who have a reasonable prospect of resuming mortgage payments within the prescribed time frame." Pennsylvania calls it the "Homeowners' Emergency Mortgage Assistance Program." To find out if there are programs in your area contact the local HUD approved Housing Counseling agency at 1-800-569-4287; www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm Income requirements vary.
54) Foreclosure Help
Contact the Home Ownership Preservation Foundation at 888-995-HOPE: www.995HOPE.org which is part of neighborhood Works Center for Foreclosure Solutions. This is a non-profit organization who have trained foreclosure prevention counselors on staff who will help homeowners with budgeting help, a written financial plan, assistance in contacting the lender, and referrals to other resources. This hotline is available 24/7 and counselors answer the phone. The Neighborhood Works program also has over 200 sites across the country where you can learn about pre-purchase counseling, home repair programs, and more. You can check them out at http://www.nw.org/network/home.asp There are no income requirements.
55) Refinance Made Easy
The Federal Housing Administration will help an estimated 240,000 families avoid foreclosure by enhancing its refinancing program. FHASecure will allow families with strong credit histories who had been making timely mortgage payments before their loans reset-but are now in default- to qualify for refinancing. This program is effective immediately. FHASecure is designed for families who are good credit risks but were steered into high-cost loans with teaser rates. For more information call the Federal Home Administration at 800-CALL-FHA or www.fha.gov There are no income requirements.
56) Pay Your Mortgage, Downpayment, or Closing Costs
Trouble in the house? HUD may be able to help. HUD provides a list of housing counseling agencies that can give you advice on buying a home, renting, defaults, foreclosures, credit issues, and working with lenders. To find a counseling agency near you contact Housing Counseling Clearinghouse at 800-569-4287; http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm There are no income requirements.
57) Help With Buying A Home
Never owned a home or haven't for at least three years? Or are you recently on your own due to a divorce? You are considered a first-time homeowner and qualify for special programs offered from your state housing finance agency. Many offer low-interest, help with down payments, homeownership counseling, and more. To locate your state housing finance agency go to www.govengine.com and click on your state of go to the National Council of State Housing Agencies at: http://www.ncsha.org/section.cfm/4/39/187 There are no income requirements.
58) Get $1,000 From Your Bill Collectors
There is little incentive for debt collectors to follow the rules they have to follow. They can't give false information about you to anyone. They cannot threaten you or say you will be arrested, your wages or property will be attached or you will suffer a lawsuit. They cannot call you before 8am or after 9pm and there are ways to stop them from calling. For more information contact the U.S. Federal Trade Commission 1-877-FTC-HELP or go to http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm There are no income requirements.
59) Fight Your Bank, Credit Card Company, Mortgage Company
You need to know who to contact if you have issues regarding your financial situation. For banks with the work "National" in their names contact Comptroller of the Currency, U.S. Department of the Treasury, 1301 McKinney St., Suite 3450, Houston, TX 77010; 800-613-6743; www.occ.treas.gov. FDIC-Insured Banks contact Office of Consumer Affairs, Federal Deposit Insurance Corporation, 550 17th St., NW, Room F-130, Washington, DC 20429; 202-736-0000; 800-934-3342; www.fdic.gov. For Savings and Loans contact Office of Thrift Supervision, U.S. Department of Treasury, 1700 G St., NW, Washington, DC 20552; 202-906-6000; 800-842-6929; www.ots.treas.gov. Contact your State Banking Authority at http://library.hsh.com/?row_id=67 There are no income requirements.
60) Free Lawyers
Legal Services Corporation offers free legal help around the country for families with income requirements which go up to about $25,000 for a family of 4. Contact Legal Services Corp., 333 K St., NW, 3rd Floor, Washington, DC 2007; 202-295-1500; www.lsc.gov Many lawyers work pro bono depending upon your situation. Find your State Bar Association by calling your state capitol operator at 411 or the American Bar Association, 321 N. Clark St., Chicago, IL 60610; 312-988-5000; http://www.abanet.org/legalservices/probono/
61) Fight For Your Veterans Benefits
Through low cost publications, training courses, and other services, the National Veterans Legal Services Program has been helping veterans get their due. Current publications include VA Claims, Agent Orange, Veterans Family Benefits, Veterans Benefits Manual, The Veteran's Advocate, Basic Training Correspondence Course, and other self help guides. Contact: National Veterans Legal Services Program, P.O. Box 65762, Washington, DC 20035; 202-265-8305; www.nvlsp.org There are no income requirements.
62) Legal Help At 75% Discount
The only things a paralegal can't do that a lawyer can, is give legal advice and represent you in court. That means they can file uncontested divorce papers, family court petitions, wills and probate, power of attorney, bankruptcy, and more. Contact National Federal of Paralegal Associations, 2517 Eastlake Ave., E, Suite 200, Seattle, WA 98102; 206-652-4120; www.paralegals.org; http://www.paralegals.org/associations/2270/files/rplist.cfm There are no income requirements.
63) Free Lawyers For Seniors
The Senior Legal Hotlines are supported by non-profit organizations that offer legal advice over the telephone. Most offer this advice and guidance for free to those 60 and over. Income requirements vary from place to place. To see if there is a hotline located near you and the services they provide contact Eldercare Locator at 800-677-1116; http://www.eldercare.gov/Eldercare/Public/Home.asp
64) Free Help Collecting Child Support
The Association for Children for Enforcement and Support works to improve child support enforcement. They have information and services, and will even contact officials on your behalf. Contact ACES, 3474 Raymont Blvd., 2nd Floor, University Heights, OH 44118; 800-738-2237; www.childsupport-aces.org There are no income requirements.
65) When All Else Fails
Do you feel you were mistreated by a service person? This issue and more are handled by the agency or board that licenses that particular profession. Ask your state Attorney General's Office who regulates the organization that is mistreating you. Find your state's office at http://www.naag.org/attorneys_general.php There are no income requirements.
66) Contact The Government
Your Senator and Congressman's offices have case managers whose job is to cut red tape and push your case through quickly. Whether it is passport assistance, help with Social Security or Veterans Affairs, ore more, Your government representative can help. Contact your Senators (www.senate.gov) or your Congressman (www.house.gov) to get help. There are no income requirements.
67) Free Credit Repair
The Federal Trade Commission has many publications to get you on the road to good credit and can also tell you your rights in dealing with collection agencies. Contact Public Reference, Room 130, Federal Trade Commission, Washington, DC 20580; 877-FTC-HELP; www.ftc.gov; Get free counseling by contacting one of these non-profits: National Foundation for Credit Counseling, 801 Roeder Rd., Suite 900, Silver Spring, MD 20910; 800-388-2227; www.nfcc.org; or Credit Counseling Center of America, P.O. Box 830489, Richardson, TX 75083; 800-493-2222; www.cccamerica.org. There are no income requirements.
68) The Government Owes You Money
Find out if there is hidden money for you at these government offices: National Association of Unclaimed Property Administrators, P.O. Box 7156, Bismarck, ND 58507; www.unclaimed.org; contact the IRS at 800-829-1040; www.irs.gov; U.S. Department of Housing and Urban Development, P.O. Box 23699, Washington, DC 20026; www.hud.gov/offices/hsg/comp/refunds/index.cfm; Veterans Affairs at 800-827-1000; www.va.gov; or Social Security at 800-772-1213; www.ssa.gov. There are no income requirements.
69) How To Get Good Credit Counseling
The credit counseling business has become a very profitable business and you have to be careful in choosing someone to help you with your debt problems. Just because they seem nice it does not mean you are getting the best you can. And just because they say they are a non-profit organization, it does not mean that they have your interest in mind. There are no income requirements.
Contact one or both of these organizations that can recommend reputable counseling services: Neighborhood Works Agencies http://www.nw.org/network/Utilities/NWOLookup.asp; U.S. HUD approved counseling agencies http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm You can also check complaints against counseling agencies by contacting both of these offices Better Business Bureau in the city or state the counseling agency has it's headquarters- http://lookup.bbb.org/ Investigate complaints at the state Attorney General's Office in the state the counseling agencies has it's headquarters- http://www.naag.org/attorneys_general.php You can also contact the Federal Trade Commission for information and publications at 877-FTC-HELP; www.ftc.gov
70) Free Housing Books
*A Consumer's Guide to Mortgage Settlement Costs
*Home Mortgages: Understanding the Process and Your Right to Fair Lending
*Looking for the Best Mortgage: Shop, Compare, Negotiate
*Consumer Handbook on Adjustable Rate Mortgages
*A Consumer's Guide to Mortgage Lock-Ins
*Foreclosure Resources for Consumers
For your copies, contact Board of Governors of the Federal Reserve System, Publications Fulfillment, MS-127, Washington, DC 20551; 202-452-3245; Fax: 202-728-5886; www.federalreserve.gov/.
71) Free Legal Help for Renters and Home Buyers
It is illegal for landlords, realtors, bankers and others to discriminate against you because of your race, religion, sex, family status, or handicap. Landlords also have rules to follow in dealing with you as a tenant. With the proper free help you can find out how to:
* Stop paying the rent if your toilet does not work.
* Get the government to sue your landlord for discriminating against your child.
* Break a lease and not pay a penalty.
* Get your eviction stopped.
* Force a bank to give you a loan for a new home.
* Get your landlord to widen your doorways to fit your wheelchair.
* Get a third party to fight your landlord for you.
To file a complaint or to learn more about your rights in dealing with landlords and people in the housing industry, contact any of the following:
-Your state housing office
-Your state Attorney Generals office
-Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Room 5204, 451 Seventh St, SW, Washington, DC 20410; 800-669-9777; www.hud.gov/complaints/housediscrim.cfm There are no income requirements.
72) States Will Pay Your Property Taxes
Or pay part of the amount. Almost all states have some type of property or homestead tax exemption for the elderly and disabled, and often those with low incomes or veterans. How the program operates varies from state to state, with some states offering a reduced tax rate off of a percentage of the home's value. Other states offer a property tax deferral program for the elderly, where the state would pay the homeowner's property taxes. This would be considered a loan, and the equity would be the value of the home. The loan would be repaid when the home was sold or the homeowner dies. Contact your state or county tax office to see what your area offers. For further help, check online at www.taxsites.com/agencies.html
73) Reverse Mortgages for Seniors
Stop being house rich, but cash poor. The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit.
The Home Equity Conversion Mortgage Program (HECM) can enable an older home owning family to stay in their home while using some of its built up equity. The program allows such a household to get an insured reverse mortgage - a mortgage that converts equity into income. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD-approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. HECM can be used by homeowners who are 62 years of age and older. 15,000 loans will be made this year. Income requirements vary. (14.183 Home Equity Conversion Mortgages 255). For more information contact your local HUD office or check out the program online at www.hud.gov/offices/hsg/sfh/hecm/hecmhome.cfm.
74) Caregiver Support
Funded through money from the Older Americans Act, the National Family Caregiver Support Program provides services to help meet the needs of caregivers including: information about available services, assistance in gaining access to support services, individual counseling and caregiver training, respite care, and possibly supplemental services. Income requirements vary depending upon location and type of service. Contact your State Unit on Aging at http://www.eldercare.gov/eldercare.net/public/home.aspx or contact Administration on Aging, Washington, DC 20201; 202-619-0724; www.aoa.gov.
75) Give Yourself A Break: Respite Locator Database
If you are a family caregiver, you sometimes need a break from all of your duties. Respite is a service that can provide temporary help to you in your home or at another site. You can search a respite service by state or by a service that you need on the National Respite Locator database. Income requirements vary depending upon location and type of service. Contact: National Respite Locator, 800 Eastowne Drive, Suite 105, Chapel Hill, NC 27514; 919-490-5577, Fax: 919-490-4905; www.respitelocator.org.
76) Check If You Are Eligible For Some Major Programs
Not sure who qualifies for what? Spend a few minutes and check out www.benefitscheckup.org. It takes you step by step through the eligibility process and at the end will tell you what benefits you or your loved one may qualify for as well as who you need to contact to learn more. This service is offered by the National Council on the Aging and connects you to all government programs. There is also a special section regarding prescription drug programs. Remember, if the database says you are not eligible for a program there may be some other organization that will provide you with the service or help you need. You have to keep checking other sources.
77) Get Health Information Better Than Your Doctor
Want to find out the latest information on your health condition? All you need to do is pick up the phone or go online to get the most up-to-date information from the government's team of health professionals. There is plenty of free help available from government sponsored and non-profit organizations. Here is where you can go:
*National Health Information Center, P.O. Box 1133, Washington, DC 20013; 800-336-4797; www.health.gov/nhic
*National Women's Health Information Center, U.S. Public Health Service, Office of Women's Health, 1600 Clifton Rd., NE, Atlanta, GA 30333; 800-994-WOMEN; www.4women.gov
*National Institutes of Health, Office of Communications, Building 1, Room 344, 1 Center Dr., MCS 0188, Bethesda, MD 20892; 301-496-4000; www.nih.gov
*14,000 Health Hotlines and Other Free Health Sources; http://healthhotlines.nlm.nih.gov/
*2007 Toll-Free Numbers For Health Information; http://www.health.gov/NHIC/Pubs/tollfree.htm
78) Free Hospital Care
Don't have money for your gall bladder surgery? What about that hospital visit you had two months ago? You might not have to pay a cent. Call the Hill-Burton Hotline. Certain hospitals and other health care facilities provide free or low-cost medical care to patients who cannot afford to pay. You may qualify even if your income is up to double the Poverty Income Guidelines. That's $36,200 for a family of four! You can apply before or after you receive care, and even after the bill has been sent to a collection agency.
Call the Hotline to find out if you meet the eligibility requirements and to request a list of local hospitals who are participating. Contact Hill-Burton Hotline, Health Resources and Services Administration, U.S. Department of Health and Human Services, Parklawn Building, 5600 Fishers Lane, Rockville, MD 20857; 800-638-0742; 800-492-0359 (in MD); http://www.hrsa.gov/hillburton/hillburtonfacilities.htm
79) Free Eye Care
If you or someone you love needs eye care, but cannot afford it, the following organizations can help:
* Seniors EyeCare Program, EyeCare America, 655 Beach Street, San Francisco, CA 94142; 415-561-8500; 800-222-3937; Fax: 415-561-8567; www.eyecareamerica.org/eyecare.
* VISION USA, American Optometric Association, 243 North Lindbergh Blvd., St. Louis, MO 63141; 314-991-4100; 800-766-4466; Fax: 314-991-4101; http://www.aoa.org/visionusa.xml.
* Lions Clubs International, 300 West 22nd St., Oak Brook, IL 60523-8842; 630-571-5466; www.lionsclubs.org.
* EyeCare America - Glaucoma EyeCare Program, EyeCare America, 655 Beach Street, San Francisco, CA 94142; 415-561-8500; 800-391-EYES; Fax: 415-561-
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Programs To Help Pay Your Student Loans
Wouldn't it be great if someone offered you free money to help pay off your student loans? Well guess what? There is money and it's waiting for you!!! Amazingly, there are numerous programs offered by employers, non-profit organizations, universities, and state and federal governments that will give you money, solely to pay off your student loans.
Loan forgiveness programs may be the answer to your loan worries. Here's how they work: You provide a public service that helps those in need--teaching underprivileged children, building homes for low-income families, giving health care or legal services to the disadvantaged--and, in return, the program cancels all or part of your educational loan debt.
We have identified over 350 student loan forgiveness programs as of the date of this writing, and we still continue to find them. Because of space limitations we have only listed of sample of these programs below. To find additional programs search the web using terms like "forgivable loan", contact your elected official, or go to www.MyAmericanBenfitsPlan.com
80) $4,725 To $7,400 To Help Pay Off Student LoansAmericorps will reward you with $4,725 to spend on your college debts, and a stipend of up to $7,400 just for joining their volunteer program for one year. For more information, contact the Corporation for National and Community Service Headquarters, 1201 New York Avenue, NW, Washington, D.C. 20525; 202-606-5000; 800-942-2677; www.americorps.org/
81) Teach For AmericaTeach for America recruits recent college graduates and professionals to teach school using an alternative certification program. The program makes sure teachers have access to training and resources, and in some cases agreements have been made to allow teachers to work on their Masters at local universities. There are 26 urban and rural placement areas. You get paid a starting teaching salary and earn $4725 for two years to pay back loans or to use for future college expenses. For more information contact Teach For America, 315 W. 36th St., 7th Floor, New York, NY 10018; 800-832-1230; 212-279-2080; www.teachforamerica.org
82) Receive $5000 To Help Pay Off Student Loans While Making A DifferenceThe Federal Teacher Loan Forgiveness Program offers individuals who teach full-time for five consecutive complete academic years, in certain elementary and secondary schools serving low-income families, forgiveness of up to a combined total of $5,000 in principal and interest of their Direct Loan and/or Federal Family Education Loan Programs (FFELP) loans. For more information contact Federal Student Aid Information Center; 800-4-FED-AID; http://www.studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp
83) $6000 Of Student Loan Forgiveness!!Teachers for New HampshireSM provides financial assistance in the form of a variable-interest rate, forgivable loan, covering up to 50 percent of the direct costs (tuition and fees) and the cost of books for the program, not to exceed a cumulative maximum of $6,000. Repayment of this loan will be forgiven for individuals who are employed as full-time teachers for three years following completion of their teacher preparation program. Contact New Hampshire Higher Education Loan Corporation, P.O. Box 2111, Concord, NH 03301; 800-330-0787; www.teachersforNH.org
84) $8,000 Per Year For Fordham University Law School GraduatesThe Fordham Loan Repayment Assistance Program (LRAP) is available to JD alumni, who are working full-time in law-related positions in non-profit organizations and have qualifying incomes. Repayment assistance will be up to $8,700 per year for five years. The amount of an individual loan will depend on income and actual annual loan payments. To be eligible must make less than $54,000. Contact: Fordham University School of Law, Office of Financial Aid, 33 West 60th Street, New York, NY 10023-7485; 212-636-6815; http://law.fordham.edu/ihtml/fa-2GradStu_LRA.ihtml?id=502
85) Student Loan Repayment - Stanford UniversityStanford University helps attorneys who are pursuing a public interest career. After they meet the income and employment qualifications for three years, participants become eligible for cancellation of 25 percent of their LRAP loans; after four years, 50 percent; and after five to ten years, 100 percent!! Associate Director of Financial Aid, Stanford Law School, 559 Nathan Abbott Way, Stanford, CA 94305-8610; 650-723-9247; Fax: 650-723-0838; http://www.law.stanford.edu/program/tuition/assistance/
86) $3,500 Loan Forgiveness - Franklin Pierce Law CenterThis program is for eligible law school graduates of the Franklin Pierce Law Center. Applicants are eligible to receive up to an annual maximum of $3,500 for up to five years after graduation if they remain in qualifying public interest employment. Contact The Franklin Pierce Law Center, Two White Street, Concord, NH 03301; 603-228-1541; http://www.piercelaw.edu/finan/Lrap.htm
87) 50% Of Your Loans Paid Off!!!If you are a female graduate or undergraduate student attending an accredited engineering school and majoring in the metallurgy, minerals, or materials science fields then you may be eligible to receive loan forgiveness of half your student loans through the WAAIME Scholarship Loan Fund Program. Contact WAAIME, 345 East 47th Street, New York, NY 10017; 212-705-7692; www.metsoc.org/Students/tmscomp.asp#waaime
88) Work In Alaska And Have Your Loans Forgiven!!!!The Michael Murphy Loan is available to individuals who wish to study law enforcement, law, probation and parole, penology, or other related fields are eligible to work off one-fifth per year or 100% of their loans. Applicant must work as a State Trooper (or related law enforcement official) in Alaska. Contact Lt. of Recruitment, Alaska State Troopers, 5700 East Tudor Road, Anchorage, AK 99507; 907-269-5511; http://alaskadvantage.state.ak.us/page/255
89) Agricultural Graduates $10,000 Of Loan Forgiveness Is Waiting For You!!If you are an agriculture or veterinary medicine graduate who helps operate a family farm or practice veterinary medicine that includes agricultural animals in Pennsylvania, you are eligible for a maximum award of $10,000 in loan forgiveness payments. Contact the Agriculture Education Loan Forgiveness Program, P.O. Box 8114, Harrisburg, PA 17105; 717-720-2800; www.pheaa.org/loanforgiveness/Agriculture_Education_Loan_Forgiveness_Program.shtml
90) $$$ For Workforce Shortage Jobs In MarylandWorkforce Shortage Student Assistance Grant Program offers scholarships for those studying in the areas of: Child care provider, developmental disabilities, mental health, child welfare, juvenile justice, teacher, nursing, physical and occupational therapists, and more. You can receive up to $4,000 per year. You must work in the field for one year for each year of your scholarship. Contact Maryland Higher Education Commission, 839 Bestgate Rd., Suite 400, Annapolis, MD 21401; 410-260-4500; 800-974-0203; http://www.mhec.state.md.us/financialAid/ProgramDescriptions/prog_WSSAG.asp;
91) Free $$$$$ To Pay Off Federally Insured Student LoansThe Federal Government has a student loan repayment program which authorizes agencies to repay certain types of federally insured student loans as a recruitment or retention incentive for highly qualified personnel. Lawyers, accountants, criminal investigators, engineers, office workers, and more qualify. You can receive up to $10,000 per year for six years. Contact The Office of Personnel Management, 1900 E Streets NW, Washington, DC 20415-1000; 202-606-1800; www.opm.gov/oca/PAY/StudentLoan/index.asp
92) Pennsylvania Nurses Receive $12,500 To Pay Off Nursing School Loans!!To help recruit and retain qualified nurses in Pennsylvania, the "Nursing Loan Forgiveness for Healthier Futures" program helps struggling nurses repay their student loans. By working for a participating Pennsylvania health care organization, you may receive student loan forgiveness for up to 25 percent (a maximum of $12,500) of your eligible debt. Contact the American Education Services, Nursing Loan Forgiveness for Healthier Futures Program, Lender School Team, PO Box 2461, Harrisburg, PA 17105-2461; 800-859-5442; www.pheaa.org/loanforgiveness/healthier_futures.shtml
93) $20,000 Loan Forgiveness!!!!!This program is for Health worker participants who will enter into a service contract for two years with the Indian Health Service. All health professions are eligible to apply to the Loan Repayment Program; however, special consideration is given to nurses, nurse practitioners, mental health and physician priority medical specialties. Contact The Indian Health Service Loan Repayment Program, Twin brook Metro Plaza -- Suite 100A, 12300 Twin Brook Parkway, Rockville, MD 20852; 301-443-3396; www.ihs.gov/GeneralWeb/HelpCenter/CustomerServices/loan.asp
94) Up To $21,250 Medical School Loan ForgivenessThis program offers the University of Arizona Medical Students loan forgiveness of up to $21,250 per year with a maximum of four years. Each participant is required to a two year service commitment at a board approved location. Contact Maggie Gumble, U. of Arizona College of Medicine, Financial Aid Office, PO Box 245026 Tucson, AZ 85724-5026; 520-626-7145; www.medicine.arizona.edu/financial_aid/amslp.html
95) Health Professionals Receive Up To $70,000 Loan ForgivenessColorado health professionals with college debt and employed by a public or private non-profit agency in a HPSA area can qualify for the Colorado Health Professions Loan Repayment Program. Contact UCHSH, Colorado AHEC Program, P.O. Box 6508, Mail Stop F433, Aurora, CO 80045-0508; 303-724-0030, Fax: 303-315-0891; http://www2.uchsc.edu/ahec/lrp/index.asp?cat=healthCareers http://www.uchsc.edu/ahec/lrp/lrp.htm
96) Up To $20,000/Year For D.D.SIf you are a Dentist and work two years of full-time primary care clinical services in a public or non-profit entity located in a Federally-designated Health Professional Shortage Area (HPSA) in Iowa, you can receive up to $20,000 of loan forgiveness. Contact Bureau of Health Care Access, Attn: Patricia Kehoe, PRIMECARRE Coordinator, 321 E. 12th Street, 5th Floor, Des Moines, IA 50319; 515-281-7689, 800-308-5986; http://www.idph.state.ia.us/hpcdp/primecarre.asp
97) Up to $30,000 Loan Repayment for Rural Health Care ProfessionalsThe Primary Care Recruitment and Retention Endeavor (PRIMECARRE) supports the Iowa Loan Repayment Program, which offers two-year grants to primary care medical practitioners for use in repayment of educational loans. The program requires a two-year practice commitment in a public or non-profit hospital or clinic located in a health professional shortage area. Up to $30,000 per year is available. Contact PRIMECARRE Coordinator, Bureau of Health Care Access, Iowa Department of Public Health, 321 E. 12th Street, Des Moines, IA 50319; 515-281-5069; 800-308-5986; http://www.idph.state.ia.us/hpcdp/primecarre.asp
98) Knock $25,000 Off Your School Loans For Healthcare ProfessionFully trained health professionals who commit to work in a community of great need are eligible to compete for repayment of their loans. In addition to loan repayment, these clinicians receive a competitive salary, some tax relief benefits, and a chance to have a significant impact on a community. Professions needed include: primary care physician, nurse practitioner, physician assistant, certified nurse midwife, dentist, dental hygienist, psychiatrists, psychologists, and social workers. Contact NHSC, 5600 Fishers Lane, Park lawn Building, Rockville, MD 20857; 800-221-9393; http://nhsc.bhpr.hrsa.gov/join_us/lrp.asp
99) Rural Physicians Obtain $17,000 Per Year Of Loan ForgivenessThe Rural Physician Loan Forgiveness Program is offered to primary care medical residents who plan to practice full-time in a designated rural area in Minnesota. During each year that a participant serves as a physician in a designated rural area for a minimum of 30 hours per week for up to four years, the ORHPC will pay directly to the participant an annual lump sum (approximately $17,000). Contact Minnesota Department of Health, Office of Rural Health and Primary Care, Attn: Loan Forgiveness Program Officer, P.O. Box 64975, St. Paul, MN 55164-0975; 651-201-3870; http://www.health.state.mn.us/divs/cfh/orhpc/loan/ruralphys.htm
100) $60,000 Repayment to Doctors for Education Loans The Connecticut State Loan Repayment Program (CSLRP) offers repayment of educational loans in exchange for a period of employment as a significant incentive for eligible clinicians to work in Community Health Centers. Contact: Public Health Initiatives Branch, 410 Capitol Ave, MS#11BCH, P.O. Box 340308, Hartford, CT 06134; 860-509-7655; http://www.ct.gov/dph/cwp/view.asp?a=3137&q=388042
101) $105,000 for Health Professionals to Pay Off School Loans The Delaware State Loan Repayment Program offers help with student loan repayment to health professionals who sign a contract to practice in an underserved area of the state for a minimum of two years. Contact Loan Repayment Coordinator, Delaware Health Care Commission, Haslet Armory, Suite 202, 122 William Penn Street, Dover, DE 19901; 302-672-5187; http://dhcc.delaware.gov/information/dimer.shtml
102) Get Your Loans RepaidLoan repayment and loan forgiveness programs to help ensure a stable and adequate supply of health care professionals to meet the health care needs of Vermonters. The loan repayment program includes support for primary care physicians, primary care non-physician providers such as nurse practitioners and physician assistants and dentists. Contact Denis Barton, Office of Rural Health and Primary Care, Vermont Department of Health, 108 Cherry Street, Burlington, Vermont 05402-0070; 802-951-4006; http://healthvermont.gov/local/rural/rural_health.aspx
103) 85% of Your Nursing Students Loans Gone! The Nursing Education Loan Repayment Program repays 60% of the qualifying loan balance of registered nurses selected for funding in exchange for two years of service at a critical shortage facility. Contact: Health Resources & Services Administration, 5600 Fishers Lane, Rockville, MD 20857; 877-464-4772; http://bhpr.hrsa.gov/nursing/loanrepay.htm
104) Career Changing OpportunityThe Transition to Teaching program supports the recruitment and retention of highly qualified mid-career professionals, including qualified paraprofessionals, and recent college graduates who have not majored in education to teach in high-need schools and districts through the development of new or enhanced alternative routes to certification. Transition to Teaching encourages the development and expansion of alternative routes to certification that enable individuals to be eligible for teacher certification within a reduced period of time. To find a program near you contact your Board of Education, State Board of Education (which can be found at www.govengine.com), or U.S. Department of Education, OII, Teacher Quality Programs, 400 Maryland Ave., S.W., Room 4W302, FB-6, Washington, DC 20202-5960; 202-260-0223; http://www.ed.gov/programs/transitionteach/index.html
105) Need To Teach Now?The National Center for Alternative Certification is a one-stop comprehensive clearinghouse for information on just this topic! They can tell you where programs are located, what you need to have to qualify, what your state's requirements are, and more. Contact National Center for Alternative Certification, 1901 Pennsylvania Ave., NW, Suite 201, Washington, DC 20006; 202-822-8280; www.teach-now.org
106) Do You Want To Teach In DC? If you have your teaching certificate, they have loan deferments and cancellation benefits, housing assistance for those that want to be homeowners (up to $10,000!), and more. If you don't have your certificate, you can get it for free at Howard University with a service commitment to teach in DC. If you have your Bachelor's degree and no teaching certificate, you can get a provisional license or you can join the DC Teaching Fellows program which allows for an alternative certification. Contact District of Columbia Public Schools, 825 North Capitol Street, NE - 6th Floor, OHR, Washington, DC 20002; 202-442-5411 or 202-442-5384; http://www.teachdc.org/
107) $5,000 Forgivable Loan $$$$$$This program offers forgivable loans to assist and encourage promising engineering graduate students to pursue careers in teaching at the college level. Upon completion of the doctoral degree, one year's loan will be forgiven for each year the recipient teaches. Contact SAE Washington Office, 1828 L Street NW, Suite 905, Washington, DC 20036; 202-463-7318; http://students.sae.org/awdscholar/loans/doctoral/
108) 100% Student Loan Forgiveness!!If you are a teacher and have served full-time in a public or non-profit elementary or secondary school system as a teacher in a school serving students from low-income families; or special-education teacher, including teachers of infants, toddlers, children, or youth with disabilities; or teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field determined to have a shortage, you may qualify for cancellation of up to 100 percent of a Federal Perkins Loan. Contact The Office of Federal Student Aid, Federal Perkins Loan Teacher Cancellation Program, Union Center Plaza, 8 31st Street, Washington D.C. 20202; 800-433-3243; http://studentaid.ed.gov/PORTALSWebApp/students/english/cancelperk.jsp?tab=repaying
109) $5,000 Student Loan ForgivenessUp to $5,000 of your Stafford Loans cancelled if you are teaching in a low-income school and you are a new borrower. You must work as a full-time teacher for five consecutive years in an elementary or secondary school that has been designated as a "low-income" school. Contact The Office of Federal Student Aid Federal Perkins Loan Teacher Cancellation Program, Union Center Plaza, 8 31st Street, Washington D.C. 20202; 800-433-3243; http://studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp?tab=repaying
110) $5,000 For Minority Teachers!!!Receive up to $5,000 annually if you are an African-American, Asian-American, Native American, or Hispanic college junior or senior working toward teacher certification. Participants must teach 3 or 5 years in Arkansas to have the amount received forgiven. For more information, contact the Arkansas Department of Higher Education, 114 East Capitol Ave, Attn: Minority Teachers Scholarship, Little Rock, AR 72201; 501-371-2050, 800-54-STUDY; www.arkansashighered.com/mteachers.html; http://www.arkansashighered.com/pdfs/FAApplications/MTSP%20Application2007.pdf