Those carrying debt have many options for debt relief, but very few are worth pursuing. Receiving free grant money is one option that most people fail to look into simply because they don't know they exist. The government and other organizations provide those who qualify as facing "financial hardship" with the cash they need to get out of debt. But unlike loans once this money is obtained, it never has to be paid back.

What is most interesting about government debt grants and similar debt relief programs is that qualifying typically does not require a credit check, down payment or a co-signer. Those who use the resources to find and apply for this federal financial aid have an opportunity to receive thousands of dollars that never has to be repaid.

Depending on the terms of the particular grant you are awarded, the money may be used to:

- Pay off Credit Cards
- Help with Mortgage Payments
- Get Rid of Medical Bills
- Pay for Tuition and Educational Expenses
- Assist with Other Personal Expenses

There's billions of dollars that is given away every single year, and millions of people claim grant funds to help with their personal needs. By filling out a grant application, anyone at least 18 years old can quickly find out if they are eligible to receive some of this free money. Once approved the cash may be directly deposited into the user's account or sent in the form of a check. While there is a limited budget for debt relief grant programs, there may still be money available to claim.