It may be hard to believe at first, but you can get FREE money from the government. Many people aren’t aware of all the possibilities or don’t know where to start. There are several programs for families and individuals, whether you need cash upfront or if you want to get a loan. Here we cover the most common ways to get government-free money so that you can take advantage of these hidden money sources. 

Get tax credits for health insurance

The Affordable Care Act’s future is uncertain. For the time being, however, the premium tax credits offered by the program are worth considering. Individuals who purchase health insurance through the government’s online marketplace ( may qualify for a premium credit. The credit can be paid straight to your insurance company, which could reduce your monthly payments.

Get help with utility bills

Need help paying your utility bills or phone bills? The Low Income Home Energy Assistance Program subsidizes low-income households’ heating and cooling costs. States which receive funds from the Department of Health and Human Services, provide grants. Each state has its eligibility criteria, including income thresholds. Lifeline is a federal program that offers cheap phone and internet service. You must meet specific requirements to be eligible.

Get down payment assistance

You want to buy a house but don’t have enough money for a down payment. This is where state-based down payment aid comes in. These scholarships and loans assist you in covering the initial costs of homeownership. Some states combine closing costs and down payment assistance programs with low-interest mortgages. This makes homeownership more affordable for low-income home buyers. Check with your state to see if you qualify. 

Apply for college grants

College subsidies, such as the federal Pell Grant, can make college more affordable. The actual amount awarded is determined by various variables, including financial need, tuition costs, and enrollment status. Students can apply for Pell Grants using the Free Application for Federal Student Aid or FAFSA. You can even use the Department of Labor’s scholarship search tool to look for scholarships.

Get money for childcare

For many families, daycare is a significant financial burden. Low-income families can benefit from the Child Care and Development Fund. The US Department of Health and Human Services administers and distributes funds to states, territories, and tribes to assist families with child care costs. Grants are based on income and often cover child care for children under the age of 13.