The federal government and a few private foundations have reserved some benefits for people, who are unable to meet their needs. These facilities and benefits are called personal grants, and can be availed on an emergency or on a long-term basis. You may apply for it, if you are in dire need of finances, or if you are unemployed, working part-time, unable to cover basic expenses, or do not have money for the treatment of an illness. This category includes many diverse programs. The government provides grants for first time home buyers, for home improvements, buying a car, education, etc. It should be noted that, such programs change from time to time and some programs are available for a limited period of time. Do we repay these grants? The most beneficial factor in these grants is that, after you receive them from the government or a private foundation, you need not repay them. Moreover, you also have the option of applying for as many as grants as you desire. A majority of people are unaware of this fact. These grants can be applied for needs such as rent, mortgage payments, school supplies, utility bills, daily groceries, fuel, child care, public transportation, and all other general living expenditures and spending. You may be eligible to receive a sum even up to $130,000. You can avail these grants easily and all you have to do is search for them over the Internet on websites of different foundations such as Bill and Melinda Gates Foundation, or on governments official website for grants i.e. www.grants.gov. Federal government programs have permitted individuals above 18 years of age to utilize the grant money, and live in acceptable standards in unfortunate financial times. Grants in the USA In the US, federal government programs were introduced in order to utilize tax dollars for helping citizens in hardships. Such programs have truly proven beneficial for citizens to sustain hard times such as low-income periods, where day-to-day living expenses are out of reach. If you are in an urgent need of money, such programs can certainly help you better your present condition. They may even palliate mental stress and give you hope for the future. You can easily qualify, if you are a US national, and over 18 years of age. If you need them for more than one reason, you have the alternative of availing several types of grants at the same time, such as healthcare grants, everyday living grants, and minorities/seniors grants. All grants that are applied for closely related needs may be awarded one by one. However, if you are in need of a grant for business-related purposes as well as healthcare expenses, both may be awarded at the same time. These grants are easy to get if you are unemployed or financially wanting. Generally, grants for college students are the most sought after. If you are a student, you need to apply as early as possible, since such grants are given on a first-come first-serve basis. You are required to provide clear and precise data and related information in the application form. After you receive this financial aid, simply ensure that you use it in an efficient manner, which will help you increase your living standards.