Grants

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Offers for "free" grants to cover such expenses as tuition, home repairs or business expenses, can be found in print media, online or phone calls can be received. They all have one thing in common: You are told your application for a grant is guaranteed and that you'll never have to pay the money back.

Federal grants are not issued for personal use, but instead to help institutions and nonprofits carry out projects with a public purpose. Foundations, institutions and organizations do, however, award an array of grants.

Here are tips, if you are looking for a legitimate government grant:

Student Aid - What you need to know

You do not have to pay to find aid money. The Free Application for Federal Student Aid (FAFSA) is free. Use the FAFSA to apply for federal grants and loans. You do not need to pay a service for this. If you are struggling with student debt, the government can help you consolidate your student loans for free. For information on consolidation as well as federal student aid programs, check out www.studentaid.ed.gov.