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. This purpose is achieved by … view more

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…. view more

Farm Operating Loans (Direct and Guaranteed)

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,…view more

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 to be… view more

Farm Storage Facility 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, minor … view more

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. The program will finance up … view more

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, includin… view more

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. The loan progr… view more

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. This purpose is achieved by … view more

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. Financial assistanc… view more

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. Generally, A priv… view more

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. Financial ass… view more

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 situa… view more

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…. view more

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 l…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

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 Prog… view more

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. Financial assistanc… view more

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. Financial ass… view more

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
  • Purchase livestock and equipment… view more

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

AIDS Research Loan Repayment Program

The AIDS Research Loan Repayment Program helps to assure an adequate supply of trained researchers with respect to AIDS at the National Institutes of Health by providing for the repayment of educational loans for participants who contractually agree … view more

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 at t… view more

Contraception and Infertility Research Loan Repayment Program

The Contraception and Infertility Research Loan Repayment Program (CIR-LRP) is designed to provide an incentive for health professionals to work in areas of reproductive research directly related to con… view more

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…. view more

Extramural Clinical Research Loan Repayment Program for Individuals from Disadvantaged Backgrounds

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. The objective of the E… view more

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 and mu… view more

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…. view more

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 provid… view more

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 … view more

Indian Health Service Loan Repayment Program

The Indian Health Service Loan Repayment Program provides repayment of student loans to health and allied health professions in order to assure an adequate supply of trained health professionals necessa… view more

Nursing Education Loan Repayment Program

To assist in the recruitment and retention of professional nurses dedicated to providing health care to underserved populations, the Nursing Education Loan Repayment Program offers registered nurses sub… view more

Pediatric Research Loan Repayment Program

In exchange for a two-year commitment to your research career, NIH will repay up to $35,000 per year of your qualified repayable educational debt, pay an additional 39% of the repayments to cover your F… view more

PLUS Parent Loans

PLUS Loans come from one of two sources:

  • Direct PLUS Loans are made by the U.S. Department of Education. You repay a Direct PLUS Loan to the U.S. Department of Education.
  • Federal PLUS Loans are made through Federal Fam… view more

Stafford Loans for Students

Direct Stafford Loans, from the William D. Ford Federal Direct Loan (Direct Loan) Program, are low-interest loans for eligible students to help cover the cost of higher education at a four-year college or university, community college, or trade, care… view more

Housing

Basic FHA Insured Home Mortgage

This program can help individuals buy a single family home. While U.S. Housing and Urban Development (HUD) does not lend money directly to buyers to purchase a home, Federal Housing Administration (FHA) approved lenders make loans through a number of… view more

Combination Mortgage Insurance for Manufactured Home and Lot

Federal Housing Administration (FHA) insures mortgage loans made by FHA-approved lenders to buyers of manufactured homes and the lots on which to place them…. view more

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

Home Rehabilitation Mortgage Insurance

Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home…. view more

Hope for Homeowners

This is a program for people at risk of losing their home due to default and foreclosure. If you are having difficulty paying your mortgage, you may be eligible to refinance into a mortgage that you can afford. Participation in the Hope for Homeowner… view more

Indian Home Loan Guarantee Program

This grant provides and operates cost-effective, decent, safe and affordable dwellings for lower income families through an authorized local Public Housing Agency (PHA)….view more

Indian Home Loan Guarantee Program (Section 184)

This program provides home ownership opportunities to Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian land, through a guaranteed mortgage loan program available through private financia… view more

Manufactured Home Loan Insurance

Federal Housing Administration (FHA) insures mortgage loans made by private lending institutions to finance the purchase of a new or used manufactured home…. view more

Mortgage Insurance: Purchase of a Cooperative Housing Unit

The Federal Housing Administration (FHA) insures mortgage loans to facilitate the construction, substantial rehabilitation and purchase of cooperative housing projects under Section 213. Each member shares in the ownership of the whole project with t…view more

Property Improvement Loan Insurance

The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. Lending institutions make loans from th…view more

Rehabilitation Mortgage Insurance (HUD/FHA)

This program may help individuals finance the cost of purchasing and rehabilitating their new or existing home. While HUD does not lend money directly to buyers to purchase a home, FHA-approved lenders … view more

Rural Housing Loans

Direct and guaranteed loans may be used to buy, build, or improve the applicant’s permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other r… view more

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, includin… view more

Rural Housing: Housing Repair Loans and Grants

The Rural Housing Repair Loans and Grants program provides loans and grants to very low-income homeowners to repair, improve, modernize, or to remove health and safety hazards in their rural dwellings. Loans are arranged for up to 20 years at 1 perce… view more

Section 203h Mortgage Insurance for Disaster Victims

Through Section 203(h), the Federal Government helps survivors in presidentially-designated disaster areas recover by making it easier for them to get mortgages and become homeowners or re-establish themselves as homeowners…. view more

VA – Home Loans – Interest Rate Reduction Refinancing Loan

VA loan guarantees are made to service members, veterans, reservists and certain qualifying unmarried surviving spouses for the refinancing of a VA home loan…. view more

Veteran

National Health Service Corps Loan Repayment Program

The National Health Service Corps Loan Repayment Program recruits health professionals to work in selected health professional shortage areas and, in return, helps repay their qualifying educational loa… view more

VA – Home Loan – Construction

VA guarantees a percentage of the loan. This helps the veteran obtain a no-down payment mortgage at a competitive interest rate…. view more

VA – Home Loans – Cash Out Refinance (Regular Refinance)

With this program, you can refinance your current loan, whether it’s a VA-guaranteed mortgage or not.

Usually, the new loan is limited to 90% of the appraised value of the house. There are a few exceptions…. view more

VA – Home Loans – Interest Rate Reduction Refinancing Loan

VA loan guarantees are made to service members, veterans, reservists and certain qualifying unmarried surviving spouses for the refinancing of a VA home loan…. view more

VA – Home Loans – Native American Direct Loan (NADL) Program

The Native American Direct Loan Program makes home loans available to eligible Native American veterans who wish to purchase, construct, or improve a home on Federal trust land.

VA – Home Loans – Regular Purchase

VA loan guarantees are made for the purchase of homes, condominiums and manufactured homes (when they’re classified as real estate).

VA guarantees a percentage of the loan. This helps the veteran obtain a no-down payment mortgage at a competit… view more

VA – Life Insurance – Veterans Life Insurance Policy Loans

Policyholders who have permanent plans of insurance under one of the programs listed below may borrow up to 94 percent of the cash value of the policy after it has been in force for one year.

United States Government Life Insurance (USG… view more

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.

Funding Your Education
Student Aid on the Web, the U.S. Department of Education’s site for free information on preparing for and funding education beyond high school. education and career choice

Student Aid on the Web
Student information portal providing answers to your questions on education, career, government and more.

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.

Federal Work-Study
The Federal Work-Study program provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses.

Federal Pell Grants
In addition to loans, the U.S. Department of Education provides Pell Grants to students with financial need. Pell Grants do not have to be repaid.

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.