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What Are Hardship Grants, And Who Are They For?

People with financially struggling often look for hardship grants offered by the government. If you find yourself in the same situation, it is worth keeping in mind that government hardship grants aren’t exactly a thing for individuals. As a matter of fact, if you get an invite that asks you to apply for a certain grant to get free money, it would most likely be a scam.

That said, the government offers benefits, which individuals can use to pay for healthcare, housing, food, etc. It is worth keeping in mind that the federal government does not offer hardship grants for individuals directly. Such grants usually go to the local and state governments, universities, colleges, law enforcement agencies, nonprofit businesses and organizations, research labs, and law enforcement agencies. The primary purpose of these grants is to fund programs that could benefit various communities or groups.

Are Hardship Grants Legit? Are There Any Risks Involved?

Due to the nature of Government Hardship Grants, they are not legit grants when someone offers you the opportunity to get these grants. Scammers often pose as government agencies or nonprofit organizations, promising people free money provided by the government. However, all of this is only a ploy for tricking people into providing them personal data or, in some cases, money.

Some scammers also rip people off by claiming that they have qualified for free money for their unpaid bills, education costs, business expenses, or home repairs. They contact people through phone calls and other modes of contact.

What Are The Legal Hardship Grants For Individuals Provided By The Government?

While the government does not provide hardship grants to individuals, you may qualify for various other benefits, which are legit, legal, and offered directly to individual citizens. Government benefit programs can help lower-income individuals pay for healthcare, housing, food, and other needs, providing trustable and dependable assistance for individuals when they need it the most. Here are some of the government's legal hardship grants for individuals you can apply for.


People who are having a hard time putting food on the table can get help from a few food assistance programs set up by the government. Here are some of them:

  • The National School Lunch Program
  • Commodity Supplemental Food Program
  • The WIC Program
  • Supplemental Nutrition Assistance Program


The federal government provides a variety of housing programs for helping families with low income, senior citizens, and disabled individuals. Here are some of the most common housing programs offered by the government.

  • Low Income Home Energy Assistance Program
  • Housing Choice Voucher Program
  • Public Housing

Financial Assistance

The government has a few cash assistance programs for people in need. These include:

  • The SSI Program (Supplemental security income)
  • The TANF Program (Temporary Assistance for Needy Families)


The government also provides healthcare benefits for low-income individuals to cover medical expenses. These programs include:

  • Children’s Health Insurance Program
  • Medicaid

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What about the Recent COVID? Can I get Financial Aid Regarding the Recent COVID?

The financial and medical crisis resulting from the pandemic in 2019 is still prevalent across the globe. Besides the stimulus checks, the government still provides COVID-related resources and grants to those who are eligible. These grants are available for different types of needs and expenses.

People can apply for non-profit, business, and personal grants by going to the general grants application website: grants.gov. This government's official platform contains filters, allowing you to search according to agencies, eligibility, and categories. You can find grants with specific COVID grants and read more information about the corresponding information, along with application details about the grants you are looking for.

What about Military Grants? Are there any Hardship Grants Helping Veterans?

Transitioning from army life can be a massive challenge, and many army veterans and their families tend to struggle because of financial difficulties. Fortunately, the US government provides grants to help veterans cover home expenses and medical bills during economic turbulence.

Some legitimate sources to get veterans benefits to include Veteran Families United and Business Grants for Veterans. You will find not only financial assistance but also therapy programs and career counseling from these organizations to better adapt to your new life. Note that if you are a military veteran looking for a grant, it is worth keeping in mind that the government only accepts one grant request per family. So, it is important to ensure that you weigh your options carefully.

How do I know If I am Eligible for Hardship Grants?

Individuals suffering from financial difficulties can apply for hardship grants if applicants meet the minimum requirements. Here are some common eligibility criteria to determine whether you can apply for hardship grants.

  • Must be 18 years old or above
  • Only permanent citizens can apply for government hardship grants
  • Anyone living below the poverty line or belonging to low-income families can apply
  • Students planning to study abroad should consider using student scholarship programs instead of hardship assistance.

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What are the Alternatives if I Don’t Qualify for Hardship Grants?

Getting a hardship grant is not always an option when you urgently need money. Applying for government benefits and hardship grants is a good idea, but not everyone can get qualified, or it will take a long while to receive the funds, and in most cases, you can not afford the waiting time. We at US Installment Loans aim to eliminate the hassles of getting financial support online by connecting our customers with our trutable and dependable online partner lenders offering high-quality financial services with competitive rates and terms.

You can find all sorts of reliable online loan services, including installment loans, no credit checks payday loans, and cash advance services. Most lenders we work with provide unsecured loans; you don’t need to provide collateral to secure your loan requests. We are proud to provide cash advance service through our professional lenders for our customers with an easy and fast approval process, and get you the instant cash you need at speed.

Some of the other options you will find at US Installment Loans are title loans and personal loans, where title loans allow you to secure your loan by the title of your vehicle, while a personal loan allows you to apply for a higher amount loan of up to $35,000 in a lump sum.

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