Government loans, grants, and benefits are differentGovernment loans - money you borrow from the federal government and that you repay with interest. Government loans can help pay for:SchoolBuying a houseStarting or growing a business. Federal government grants - typically not given to people for personal expenses. Grants are for organizations that work with programs and projects funded by the government, including:UniversitiesResearch labsNonprofit organizationsState and local governmentsLaw enforcementBusinessesYour organization can or to find funding opportunities locally.Government benefits - help people with food, health care, housing, and more. Each benefits program has its own eligibility rules, application process, and deadlines. Unlike government loans, government benefits usually do not need to be repaid. If you need financial help, you might qualify for.Types of federal loans for individualsYou can find government loans for:Students who need People who or Small business owners interested in People or businesses Applying for government loansEach federal loan program has its own eligibility requirements, application process, and deadlines. To apply for a federal loan:Read about the program’s eligibility requirements, application process, and deadlines. Ask for help if you need it.Fill out the required forms and provide documentation. You might be asked to provide proof of income, identification, and information about what you need the loan for.Be aware of government “free money” scamsSome people might try to trick you by offering fake government grants, loans, or benefits. If someone asks for your personal information or money to get a grant or loan, it is probably a scam. , Learn about affordable rental housing including Section 8 for people with low incomes. See how these programs work, who is eligible, and how to apply., In subsidized rental housing, the government pays apartment owners to reduce the rent for tenants with low incomes. Learn how to find this type of affordable housing..