Grants From Uncle Sam Go To Non-Citizens

Isn’t America great? You don’t even have to be a citizen to be eligible for free grants and services from Uncle Sam. Government financial guru Matthew Lesko (www.lesko.com/immigrants) says, as long as you are here legally and, sometimes even illegally, you can apply and receive free money and services from thousands of government programs.

Mohammad Atta, the head of the 9/11 Terrorists, was in the country legally and was eligible to walk into a government office in Florida and apply for $650,000 to retrofit a crop duster airplane. The government didn’t give it to him, but he was eligible.

As an immigrant or citizen, Uncle Sam wants to help you become a success in America. Non-citizens can apply for:

1. $10,000 For A Down Payment, Closing Costs or Rehabilitation
2. Up To $10,400/Yr For Seniors
3. Make $32,000 & Get Free Prescription Drugs
4. $1,200/Month In Day Care Money While You Look For Work
5. $4,000 To Attend Any College... plus hundreds of other programs

And there are even some programs that illegal immigrants can apply for, like health care for kids, and services like free legal help that never even ask the question.

Top Government Money Programs For
Citizens and Non-Citizens

1) $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 who may not be covered. For more information on a national level call 877-KIDS-NOW; 877-543-7669 or go to www.insurekidsnow.gov
--Income Eligibility: up to $38,700 for a family of 4
--Citizenship Not Required: Parents and other household members do not have to give any information about their immigration status to get health insurance for their children.

2)$10,000 For Down Payment, Closing Costs or Rehabilitation
The American Dream Downpayment Initiative offers grants up to $10,000 to first-time single-parent homebuyers. 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
--Income Eligibility: up $50,185 for a family of 4
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

3) Up To $10,400/Yr For Seniors
If you are over 65, blind or disabled and if you have limited income and limited resources be sure to check because you maybe eligible for Supplemental Security Income. Studies show that only about 53% of eligible seniors apply. This means at least one million seniors are out there who can get the money but don’t know it exists. And that’s not counting the blind and disabled which could double that number. To apply call 1-800-772-1213 or go to http://www.ssa.gov/applyfordisability
--Income Eligibility: $6,300/yr for single, $9,400/yr for couple with many exceptions; see http://www.ssa.gov/notices/
supplemental-security-income/text-eligibility-ussi.htm
--Citizenship Not Required: You must be a legal resident, but you do not have to have citizenship.

4) Make $32,000 & 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. That is right, drug companies do not want everybody to know this, but they will give certain people who cannot afford their medications their drugs free of charge if you participate in their "patient assistance programs." Your doctor needs to sign a form stating that you cannot afford the drugs that you need. Once the forms are filled out they are shipped directly to your doctor’s office. Contact Partnership for Prescription Assistance at 888-4PPA-NOW; www.pparx.org
--Application: You can fill out one application online for all the drug companies that offer the medication you need, based on your eligibility: https://www.pparx.org/SelectMedication.php or you can go to the individual drug companies’ website to apply for drug assistance.
--Income Eligibility: Each company has separate requirements, some have no income requirement but you must show a need.
--Citizenship Not Always Required: This will vary according to each company and each program; check which program you are eligible for and then contact the company directly to find out if you are eligible based on your citizenship status.

5) 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. To apply call Social Security at 1-800-772-1213 or go to http://www.ssa.gov/applyfordisability/adult.htm
--Income Eligibility: None, just unable to work
--Citizenship Not Required: You must be a legal resident, but you do not have to have citizenship.

6) $6,000/Yr to Pay For Groceries
Government studies show that over 16 million families are eligible for this money, but do not apply. It is estimated that in cities like Galveston, TX nearly 50% of the people eligible to receive this money are not aware of the program and do not apply. 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/
--Application: http://www.fns.usda.gov/fsp/applicant_recipients/apply.htm
--Income Eligibility: $24,516/yr for family of 4
--Citizenship Not Always Required: Determined on a case-by-case basis with some exceptions made for refugees, migrant workers and legal residents; you should contact your local office to determine eligibility.

7) $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 because of that, the program differs from state to state. Workers can receive classroom, occupational skills, entrepreneur training and/or on-the-job training to qualify for jobs in demand. Basic and remedial education, entrepreneurial training, and instruction in literacy or English-as-a-second-language may be provided. 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; One-Stop Career Center Locator at http://www.servicelocator.org/
--Income Eligibility: Most have no income requirements, but you must be looking for a job.
--Citizenship Is Required: Must be a U.S. citizen to use their training and other programs and workshops. Contact your local One-Stop for more details and to see if you qualify.

8) Extra $938 For Seniors and Disabled
Each year over 43% of eligible seniors and people with disabilities fail to apply for a little-known program that will give them over $938 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.”
--Income Eligibility: up to $12,576/yr for a single and $16,872/yr for a couple
--Citizenship Not Required: You must be a resident, but you do not have to have citizenship.

9) 25 Million Seniors and Doctors Are Unaware Of Free Health Services
A government study shows that there are a number of screening procedures and immunizations that are recommended for seniors, but both seniors and doctors are unaware that they are covered by Medicare. 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.
--Income Eligibility: None
--Citizenship Not Required: You must be a resident, but you do not have to have citizenship.

10) $1,800 Food Money for Women & Children
Uncle Sam wants women and kids to have healthy food. The Women, Infant and Children (WIC) Program’s mission is to safeguard the health of low-income women, infants, and children up to age 5 who are at nutritional risk by providing 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.
In addition to the regular WIC program, a majority of the states have chosen to operate the WIC Farmers Market Nutrition Program (FMNP). Established in 1992, it provides additional coupons to WIC participants that they can use to purchase fresh fruits and vegetables at participating farmers markets. For the national office contact
WIC at 1-703-305-2026 or www.fns.usda.gov/fns/
--Application: http://www.fns.usda.gov/wic/howtoapply/
--Income Eligibility: $37,000 for a family of 4
--Citizenship Not Always Required:Determined on a case-by-case basis with some exceptions made for refugees, migrant workers and legal residents; you should contact your local office to determine eligibility.

11) 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. 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/
--Income Eligibility: $9,708/yr for family of 4
--Citizenship Not Always Required: Determined on a case-by-case basis with some exceptions made for refugees, migrant workers and legal residents; you should contact your local office to determine eligibility.

12) $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. The government likes this money because it generates over $50 million in interest and income. 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; 202-401-9373; www.acf.dhhs.gov/programs/cse/
--Income Eligibility: None
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

13) $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! For the National Office contact National Child Care Information Center, 243 Church Street, NW, Vienna, VA 22180; 800-616-2242; http://nccic.org.
--Income Eligibility: up to $37,080 for a family of 4
--Citizenship Not Always Required: You must be a U.S. citizen or legal resident to get money to start-up a childcare business, but eligibility for childcare services are determined on a state-by-state basis. You should check with your state office to find out specific citizenship requirements for your area.

14) $2,500 to Pay Your Insulation Bills
As many as 20-30 million people are eligible to receive storm windows, insulation, and even weatherstripping 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. You must apply through your state weatherization agency. States allocate dollars to nonprofit agencies for purchasing and installing energy-related repairs, with an energy audit being the first step to determine what is necessary. The average grant is $2,500. For the national office contact Weatherization Assistance Programs Branch, EE44, U.S. Department of Energy, 1000 Independence Ave., SW, Washington, DC 20585; 800-DIAL-DOE; http://www.eere.energy.gov/weatherization/
--Income Eligibility: up to $28,418 for a family of 4
--Citizenship Not Always Required: Must be a U.S. citizen or a legal resident. Applicants must have entered the U.S. after 1996.

15) $2,800 To Pay Your Heating Bill
Even if you are not approved for the U.S. Department of Energy’s Weatherization Assistance Program, you might still be eligible for short-term assistance on your utility bill from the Low-Income Home Energy Assistance Program (LIHEAP). Funded by the U.S. Department of Health and Human Services, 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.
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; 202-401-9351; toll-free 888-294-8662; www.acf.dhhs.gov/programs/liheap
--Income Eligibility: up to $28,418 for a family of 4
--Citizenship Not Required: Must be a U.S. citizen or a legal resident. Applicants must have entered the U.S. after 1996.

16) $27,500 In Grants And Loans To Fix Up Your Home
That is the amount of money you can get to repair your rural home through the Section 504 Rural Housing Repair and Loan program. These 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. This includes repairs or replacement of heating, plumbing or electrical services, roof or basic structure as well as water and waste disposal systems, and weatherization. Grant funds are only available to homeowners aged 62 or older who cannot repay a Section 504 Loan. 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 and http://www.rurdev.usda.gov/rhs/sfh/ brief_repairloan.htm
--Income Eligibility: up to 50% of median family income, $31,366 in US
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

17) $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 money, but most small businesses have no idea it’s there. Workers don’t realize that they can tell their bosses or prospective employers about this program so they can get the job they want or the raise they deserve. 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; One-Stop Career Center Locator at http://www.servicelocator.org/
--Income Eligibility: None
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

18) 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 http://www.prnewswire.com/mnr/ada/23488/. Just click on your state. Contact: American Dental Association, 211 East Chicago Ave., Chicago, IL 60611-2678; 312-440-2500; www.ada.org
--Income Eligibility: Determined on a case by case basis
--Citizenship Not Always Required: Determined on a case-by-case basis; each dental service provider and/or program will have different eligibility requirements. Contact your local dental provider for specific guidelines.

19) Free Health Care When You Have No Insurance Coverage
Healthcare centers around the country offer everything from mental health to dental services. Contact: Health Resources and Services Administration, U.S. Department of Health and Human Services; http://www.ask.hrsa.gov/pc/ Another database, The Free Clinic Foundation of America, 1240 Third Street S.W, Roanoke, VA 24016; 540-344-8242; www.medkind.com/FCF
--Income Eligibility: Each facility has different requirements, normally on a sliding scale.
--Citizenship Not Always Required: This will vary, depending on the health center and the services that center provides. Search the database to find the nearest health center, and contact the one in your area for specific citizenship requirements.

20) 3.5 Million Families Can Get A Check for Up To $4,300
That’s how many people are eligible for this but don’t apply. It’s called a tax credit, but it is really a grant. It’s extra money the IRS will give you that’s better than a refund because they will give it to you even if you don’t pay any taxes. You just have to have some income, and the less income you have the bigger the check you get. You can make up to $35,458 and still be eligible. 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 a service called 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.
--Income Eligibility: up to $35,000 per taxpayer
--Citizenship Not Required: Must be a U.S. citizen or be a legal resident (have a Social Security Number or a valid work permit) for a year prior to filing the Tax Credit.

21) Save $120 On Your Phone Bill
Under the Federal Communication Commission’s Link-Up America 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. For more information contact your local phone company or check out the Federal Communications Commission at 1-888-641-8722; http://www.fcc.gov/cgb/getconnected/
--Income Eligibility: up to $27,000 for a family of 4
--Citizenship Not Always Required: None, but applicants must be participating in programs such as TANF, Food Stamps, etc. at the state level, which may require you to be a U.S. citizen or legal resident.

22) Free Health Insurance
Health insurance can be quite confusing, but you may qualify for help. 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, blind and/or disabled, and those who are eligible for federally assisted income maintenance payments. Services include: inpatient hospital, outpatient, physician services, medical and surgical dental services, family planning, laboratory services and prenatal care. People that receive SSI benefits are automatically eligible for Medicaid benefits in most states. Income and resource guidelines must be met for an individual, couple, or family to qualify. Some services not covered by Medicare: medicine, nursing home care, eye exams, glasses, transportation for medical care, and other medical services, may be paid for under the Medicaid program. Each State establishes their own eligibility standards and administers their own program. For a list of each State's Medicaid toll-free phone number, go to www.cms.hhs.gov/medicaid/statemap.asp. To view the Federal poverty limits, go to www.cms.hhs.gov/medicaid/eligibility/. National Contact: For more information, or to find information on each State's Medicaid program, check out the Centers for Medicare and Medicaid Services (CMS) www.cms.hhs.gov. You can contact the lead agency at CMS, 7500 Security Boulevard, Baltimore, MD 21244-1850; 410-786-3000; 877-267-2323; TTY: 866-226-1819 or 410-786-0727.
--Income Eligibility: up to $50,000 for a family of 4
--Citizenship Not Always Required: Determined on a case-by-case basis with some exceptions made for refugees, migrant workers and legal residents; you should contact your local office to determine eligibility.

23) $300,000 for a Small Town Business
The New Markets Venture Capital Program is a developmental venture capital program designed to promote economic development and the creation of wealth and job opportunities in low-income geographic areas. Recipients use funds to make equity capital investments in smaller enterprises located in low-income geographic areas. Recipients can also use funds to provide management and technical assistance to smaller enterprises in connection with such investments. National Contact: New Markets Venture Capital Program, 409 3rd Street, NW, Suite 6300, Washington, DC 20416; 202-205-6510; http://www.sba.gov/INV/NMVC/.
--Application: http://www.sba.gov/INV/venture.html
--Income Eligibility: None
--Citizenship Not Always Required: Must be a U.S. citizen or be a legal resident.

24) Grants to Organizations That Help Minorities Start Their Own Businesses
The Minority Business Development Agency provides funding for Minority Business Development Centers. For a nominal fee, these centers provide a wide range of services from initial consultations, to the identification and resolution of specific business problems. National Contact: For more information on the program (11.800 Minority Business Development Centers), contact Barbara Curry, Business Development Specialist, Room 5071, Minority Business Development Agency, U.S. Department of Commerce, 14th and Constitution Ave., NW, Washington, DC 20230; 202-482-1940; www.mbda.gov.
--Income Eligibility: None
--Citizenship Not Always Required: Determined on a case-by-case basis. For consulting and business development services, you need to contact the state agency for specific citizenship requirements

25) Money For Teenagers To Start A Business
You can be as young as 12 and get $5,000 to start a business. The program is aimed at youth in rural areas, but you never know where you can use this. Maybe you can set up a distributorship for your products in a small town using your nephew who lives in that small town you never visit. Put this aside, you never know when someone in your family may need this. It’s part of the Farm Operating Loan program from the U.S. Department of Agriculture. National Contact: U.S. Department of Agriculture at 202-720-1632 or http://www.fsa.usda.gov/DAFL/youthloans.htm
--Income Eligibility: None, but must be unable to obtain a loan from other sources
--Citizenship Not Always Required: Must be a US citizen or legal resident.

26) Your Child Has A Doctor’s Appointment And Your Car Won’t Work
The Federal Transit Administration provides over $50 million a year to over 1,000 local organizations who provide free non-emergency transportation for people who are old or have a disability. But the groups who get this federal money can also provide free transportation services to moms who are in a jam. The regulations state that the vehicles can also be used to "serve the transportation needs of the general public on an incidental basis." You may have to do some educating to get a local group to give you a ride. Tell them to view the information on the website or contact the FTA. National Contact: U.S. Federal Transit Administration, Office of Program Management, Office of Resource Management and State Programs, 400 7th St., SW, Washington, DC 20590; 202-366-4020 or go to http://www.fta.dot.gov/grant_programs /specific_grant_programs/elderly_disabilities/ 4230_7954_ENG_HTML.htm
--Income Eligibility: None, but must show proof of disability and/or need.
--Citizenship Not Always Required: Determined on a case-by-case basis. Local programs will determine the eligibility requirements for those people using this service; however, you must be a U.S. citizen or legal resident to get funding to start a program like this in your state.

27) $2,000 for Day Care While in College
To support low-income parents attending college, the Child Care Access Means Parents In School program (CAMPISP) supports campus-based child care services. Awards are used to support or establish child care programs for infants and toddlers, as well as before and after school services to the extent necessary to allow students to pursue a postsecondary education. National Contact: U.S. Department of Education, OPE, Higher Education Programs, 1990 K Street, NW, 7th Floor, Washington, DC 20006-8510; 202-502-7642; www.ed.gov/programs/campisp/index.html
--Application http://e-grants.ed.gov/egWelcome.asp or go to http://www.ed.gov/programs/campisp/2005-335.pdf
--Income Eligibility: Low-income parents who are eligible to receive a Pell Grant.
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident (you must have an alien registration number or a legitimate visa) in order to be eligible for the Pell Grant, which you must be eligible for to receive assistance under the above-described program.

28) $4,000 To Attend Any College
Through the Federal Supplemental Educational Opportunity Grants program, eligible undergraduate students with demonstrated financial need are eligible for grant assistance to help meet educational expenses. Grants range from $100 to $4,000 per academic year, and students are eligible to receive the grant until they have completed their degree. National Contact: Office of Federal Student Aid, Department of Education, 400 Maryland Avenue, SW., Washington, DC 20202-5446; 800-433-3243, http://studentaid.ed.gov or http://12.46.245.173/pls/portal30/ CATALOG.PROGRAM_TEXT_RPT.SHOW? p_arg_names=prog_nbr&p_arg_values=84.007
--Income Eligibility: Varies with each institution; contact the one you plan to attend for more details.
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident (you must have an alien registration number or a legitimate visa). However, even if you are not a U.S. or eligible citizen, you can still fill out the FAFSA (Federal Assistance For Student Aid) application and apply for state or college aid.

29) Disadvantaged Businesses Get Money & Help To Get Government Contracts
To grow and compete in the transportation marketplace, the U.S. Department of Transportation offers a variety of programs to help small, disadvantaged and women-owned firms include short-term lending for transportation-related projects, bonding assistance to provide opportunities to obtain bid, payment and performance bonds for transportation-related projects, and referrals to other sources of federal financial assistance. National Contact: U.S. Department of Transportation, Office of Small and Disadvantaged Business Utilization, 400 7th Street, SW, Room 9410, Washington, DC 20590, 800-532-1169 or 202-366-5343, Fax: 202-366-7538, Email:
nancy.strine@dot.gov, http://osdbu.dot.gov
--Income Eligibility: Determined on a case-by-case basis.
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

30) $3 For Every $1 Dollar You Save
Triple your savings by taking advantage of Individual Development Accounts. These accounts are currently available in 350 communities with more in development. Designed to help low-income people save for a down payment, college, or a small business, funds are matched with one dollar from the government and one dollar from private funds. A short course on money management is usually required. National Contact: Corporation for Enterprise Development, 777 N. Capitol St., NE, Suite 800, Washington, DC 20002; 202-408-9788; www.idanetwork.org.
--Income Eligibility: up to $25,660 per couple
--Citizenship Not Required: None

31) Free Mammograms And Breast And Cervical Cancer Treatment
An estimated two million American women will be diagnosed with breast or cervical cancer in the next decade, and half a million will lose their lives from these diseases. Screening could prevent up to 20% of these deaths for women over 40. The government's Center 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. Each state runs their program a little differently. 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). Some states can adjust eligibility requirements for special cases. States vary in the array of services covered, but they normally include: breast and cervical cancer screening, mammograms, treatment if diagnosed with cancer, breast reconstruction or prosthesis. States that don't have direct funds for treatment often make arrangements with other facilities to provide treatment for free. If your screening has been done elsewhere, you can still receive free treatment under this program. Men diagnosed with breast cancer can also receive free treatment. National Contact: 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; www.cdc.gov/cancer/nbccedp/
--Income Eligibility: up to $48,375 for a family of 4
--Citizenship Not Always Required: Determined on a state-by-state basis. Some programs do not require that you be a U.S. citizen or show residency documentation, but you must be receiving treatment from one of the doctors working with this program.

32) $2,000 Grant To Pay Rent Or Mortgage
There are now programs that will make your mortgage payments for you when you get into financial trouble. One of the best ways to find out if there are programs like this in your area is to contact the local HUD-approved Housing Counseling agencies. National Contact: Housing Counseling Center locator at 800-569-4287; http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm, or Housing Counseling Clearinghouse, P.O. Box 10423, McLean, VA 22102; 800-217-6970
--Income Eligibility: up to $34,135, but also determined on a case-by-case basis.
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

33) $8,000 to Improve Your Home So It Cuts Your Utility Bills
This program is called the “Energy Efficient Mortgages Program” and can be used to make energy-efficient improvements in one to four new and existing homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. The cost of the improvements that may be eligible for financing as part of the mortgage is either 5 percent of the property's value (not to exceed $8,000) or $4,000, whichever is greater. The maximum mortgage limit for a single-family home is $160,950, plus the cost of the eligible energy-efficient improvements. (Limits may be lower in some areas of the country.) National Contact: U.S. Department of Housing and Urban Development, 451 7th Street S.W., Washington, DC 20410; 202-708-1112;
http://www.hud.gov/offices/hsg/sfh/eem/energy-r.cfm
--Income Eligibility: Determined case-by-case, but must have the income to make the monthly mortgage payments.
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

34) $100,000 Direct Loans To Buy Or Fix-Up Homes In The Country
Want to buy a home in the country, but don’t think you can afford it? Think again.
Rural Housing Service provides financing for individuals and families who cannot obtain credit from other sources to purchase homes in rural areas. Applications are received at USDA offices. Funds may be used to purchase suitable existing homes, new site build homes, approved modular units, and new manufactured units from an approved dealer/contractor. Funds may also be used to repair or remodel homes, or to make the home accessible and usable for persons who are developmentally disabled. Loans may be made for up to 100% of the appraised value of the site and the home. Maximum repayment period is 33 years, or under certain conditions, 38 years. Down payment is not required if your net assets do not exceed $7,500. Certain fees must be paid and you cannot currently own a home. Applicants for direct loans from RHS must have very low or low incomes. Very low-income is defined as below 50 percent of the area median income (AMI); low-income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Form required: Uniform Residential Loan Application. Over 17,000 homes were purchased through this program. The budget for the program is $1,076,998,750. (Section 502 Direct Loan Program- 10.410 Very Low to Moderate Income Housing Loans). National Contact: Single Family Housing, Direct Loan Division, U.S. Department of Agriculture, Washington, DC 20250; 202-720-1474;
www.rurdev.usda.gov
--Income Eligibility: requirements for Pennsylvania: varies by area; see http://www.rurdev.usda.gov/rhs/ sfh/GSFH_Income_Limits/PA%20GRH.pdf
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

35) Start A Business With No Money and No Products
Who says you have to have an actual store to have a store? And who says that you even have to have any products to have a store. You can start a virtual store on the web. For this you only need pictures of the products and a source to get the products when someone actually buys them from your website. Call a dozen suppliers of the product you are interested in and see if they would go into a 50/50 partnership when sales come in. You can find suppliers for any product from books in the library. Once you learn how to bring in sales, you can get your own store and keep all the money yourself. If you want to start a bookstore you can contact local hospitals, office buildings or other big structures, and make a deal with them to sell products in the lobby for people hanging out all day. And then contact a local bookstore to share the profits with them. Or you can approach a local bookstore and tell them that you will figure out how to sell books to the government and want a 50/50 deal. The bookstore has nothing to lose and you get to have a business with no money or books. And how are you going to learn to sell to the government? The government will teach you for free. Contact your local government sponsored Small Business Development Center and they will teach you for free. Contact 800-8-ASK-SBA or http://www.sba.gov/sbdc/sbdcnear.html
--Income Eligibility: None
--Citizenship Not Always Required: Must be a U.S. citizen or legal resident.

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