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Education Loans, Business Loans, Housing Loans and More!
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Education Loans, Business Loans, Housing Loans and More!

Use the listing below to search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program.

General

Business and Industrial Loans

The purpose of the Business & Industrial (B&I) Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities.

Agriculture

Commodity Marketing Assistance Loans and Loan Deficiency Payments

This program provides loans to assist farmers in marketing their commodity crops and, as a result, improve and stabilize farm income.

The Farm Service Agency (FSA) offers farm operating loans to farmers who are temporarily unable to obtain private, commercial credit. Operating loans may be used to purchase items needed for a successful farm operation; these items include livestock.

Farm Ownership Loans (Direct and Guaranteed)

The Farm Service Agency (FSA) makes farm ownership (FO) loans to farmers and ranchers who temporarily cannot obtain a loan from a bank, Farm Credit System institution, or other lender due to disaster and financial hardship. FSA also makes loans.

Farm Storage Facility Loans (FSFL) are provided to encourage the construction of on-farm storage and handling facilities for eligible commodities. Eligible commodities include: corn, grain sorghum, oats, wheat, barley, rice, soybeans, peanuts, and minor.

Fisheries Finance Program

The Fisheries Finance Program (FFP) is a direct government loan program that receives an annual loan authority from Congress to provide long-term loans to the aquaculture, mariculture, and commercial fisheries industries.

Rural Housing: Farm Labor Housing Loans and Grants

The Farm Labor Housing Loan and Grant program provides capital financing for the development of housing for domestic farm laborers. Farm Labor Housing loans and grants are provided to buy, build, improve, or repair housing for farm laborers.

Business

7(a) Small Business Loan

7(a) loans are the most basic and most used type loan of SBA’s business loan programs. Its name comes from section 7(a) of the Small Business Act, which authorizes the Agency to provide business loans to American small businesses.

Business and Industrial Loans

The purpose of the Business & Industrial (B&I) Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities.

Business Physical Disaster Loans

The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to private, non-profit organizations and businesses of all sizes located in a declared disaster area.

Certified Development Company (504) Loan Program

The CDC/504 loan program is a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

Economic Injury Disaster Loans

The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to small businesses and private, non-profit organizations of all sizes located in a declared disaster area.

Equity Investment – Small Business Investment Company (SBIC) Program

The Small Business Investment Company (SBIC) program, part of the U.S. Small Business Administration (SBA), was created in 1958 to fill the gap between the availability of venture capital and the needs of small businesses in start-up and growth situation.

Indian Loan Guaranty, Insurance, and Interest Subsidy Program

The purpose of the program is to assist in obtaining financing from private sources to promote business development initiatives that contribute to the economy of the reservation or service area.

Microloan Program

The MicroLoan Program provides very small loans to start-up, newly established, or growing small business concerns. Under this program, SBA makes funds available to nonprofit community based lenders (Microlender Intermediaries) which, in turn, make loans..

Military Reservist Economic Injury Disaster Loan Program

The purpose of the Military Reservist Economic Injury Disaster Loan program (MREIDL) is to provide funds to eligible small businesses to meet its ordinary and necessary operating expenses that it could have met, but is unable to meet.

Short Term Lending Program

To help small businesses gain access to the financing they need to participate in transportation-related contracts, the Office of Small and Disadvantaged Businesses Utilization (OSDBU) Financial Assistance Division manages the Short-Term Lending Program.

Disaster Relief

Business Physical Disaster Loans

The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to private, non-profit organizations and businesses of all sizes located in a declared disaster area.

Economic Injury Disaster Loans

The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to small businesses and private, non-profit organizations of all sizes located in a declared disaster area.

Emergency Farm Loans

The emergency loan program aims to help family farmers recover from losses resulting from natural disasters. These loans can be used to:

  • Repair or replace buildings or other structures

Home and Property Disaster Loans

The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to homeowners and renters located in a declared disaster area. Financial assistance is available in the form of low-inter… view more

Military Reservist Economic Injury Disaster Loan Program

The purpose of the Military Reservist Economic Injury Disaster Loan program (MREIDL) is to provide funds to eligible small businesses to meet its ordinary and necessary operating expenses that it could have met, but is unable to meet, because an e… view more

Education

Clinical Research Loan Repayment Program
The program supports the National Institutes of Health (NIH) Intramural Research Program in recruiting and retaining health professionals from disadvantaged backgrounds to conduct clinical research,

Education Consolidation Loans

Consolidation Loans are available to most borrowers of Federal education loans and come from one of two sources:

  • Direct Consolidation Loans are made by the U.S. Department of Education. You repay a Federal Consolidation Loan to the U.S.

The ECR-LRP is a congressionally mandated loan repayment program that was established by the Secretary for the Department of Health and Human Services through the Director of NIH.

Federal Perkins Loan Program

Federal Perkins Loans help financially needy undergraduate and graduate students meet the cost of postsecondary education. The award is made by the school based on the availability of funds. A Federal Perkins Loan carries a fixed interest rate.

Free Application for Federal Student Aid (FAFSA)

The Free Application for Federal Student Aid (FAFSA) is an application used by virtually all two and four-year colleges, universities, and career schools for awarding Federal, state, and college-funded student aid.

General Research Loan Repayment Program

The General Research Loan Repayment Program recruits and retains health professionals performing research in fields required by the National Institutes of Health (NIH) to carry out its mission by provide.

Health Disparities Research Loan Repayment Program

The HDR-LRP is the congressionally mandated extramural loan repayment program for minority health disparities research. The objective of the HDR-LRP is the recruitment and retention of highly qualified.

Additional Information

College Opportunities Online
College Opportunities On-Line (COOL) is your direct link to more than 9,000 colleges and universities in the United States. COOL helps you find out about a specific college or set of colleges.

Free Application for Federal Student Aid (FAFSA); FAFSA on the Web
Apply for federal student aid online using the Department of Education’s FAFSA on the Web.

National Student Loan Data System
The National Student Loan Data System (NSLDS) is a centralized database that stores information on all student loans as well as school enrollment information.

The U.S. Department of Education’s Student Aid on the Web
The U.S. Department of Education’s Student Aid on the Web– the gateway to federal student aid, the site offers a single source of free information not only on applying for federal aid, but on choosing a career, selecting a school, and identifying non-federal resources to pay for higher education.

Student Aid on the Web Campus Tour
Explore college and university campuses by browsing through detailed profiles and key information of each school, including important financial aid information.

Student Finance Calculators
Figure out how much you need to borrow for the school year and what it will cost to pay back your student loan! Interactive calculators for budgets, consolidation and monthly repayment calculations from the U.S Department of Education.

U.S Department of Health and Human Services (HHS) Student Assistance Programs
HHS provides a variety of scholarships, loans, and loan repayment programs for students in the health professions, through the Student Assistance Programs of the Health Resources and Services Administration. Visit their website for more information.

State Financial Aid
Many states also provide education loans and grants. Contact your state higher education agencies for more information.

Financial Aid Wizard
Explore your financial aid needs and options with a step-by-step process for calculating your cost of attendance and Expected Family Contribution. Discover potential scholarships and loans available to you.

Direct Loans Servicing Online
If you have questions about your Direct Loan, you can go online to find the answers. With your personal identification number (PIN), you can view your detailed account information, complete exit counseling, make an online payment, enroll in any of our electronic services, and much more.

Repaying Your Student Loans
Repaying Your Student Loans is a comprehensive resource on how to pay back student loans received from the U.S. Department of Education. This source includes information about repayment plans, loan cancellations, etc.

Additional Resources:

Building A Better Credit Record
The Federal Trade Commission’s (FTC) guide to building a better credit record is designed to help you understand and legally improve your credit report.

Credit Scoring
Learn what credit scoring is and how it affects your ability to get a loan, from the Federal Trade Commission (FTC).

Equifax
Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. Equifax is one of the three major credit bureaus. Contact them to get your credit report.

Experian
Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. Experian is one of the three major credit bureaus. Contact them to get your credit report.

Federal Loans page on the Federal Citizen Information Center
The FCIC National Contact Center website provides information for citizens about federal loans, grants, and assistance.

Federal Trade Commission: Your National Resource for Identity Theft
Learn about identity theft, how to protect yourself, and what to do if you are a victim of identity theft.

Federal Trade Commission (FTC) Consumer Complaint Form
Use this form to submit a complaint to the FTC Bureau of Consumer Protection about a particular company or organization.

TransUnion
Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. TransUnion is one of the three major credit bureaus. Contact them to get your credit report.

U.S Army Corps of Engineers – Services for the Public
The U.S Army Corp of Engineers provides many services for the public, including emergency response, flood damage reduction, and environment stewardship.

How to File a Consumer Complaint About a Bank (Federal Reserve Board)
Instructions for filing a complaint about a bank.

DISCLAIMER: This information is not intended to provide legal or accounting advice, or to address specific situations. Please consult with your legal or tax advisor to supplement and verify what you learn here.

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