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Government Disability Programs & News from Disability.gov

Alexander Graham Bell Association for the Deaf
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
 
Billy Barty Foundation
Sponsors a scholarship fund to help promising college students who have a medical form of dwarfism. Provides $2,000 scholarships.
 
Children with Disabilities Grants and Funding Page
An online guide for parents and children. Provides links to information on funding opportunities from the Federal agencies and offices represented on the Coordinating Council on Juvenile Justice and Delinquency Prevention. It also presents suggestions for identifying funding opportunities from other Federal agencies and the private sector.
 
Creating Options: A Resource on Financial Aid for Students with Disabilities (2001)
The latest edition of this popular resource paper features up-to-date information about federal financial aid programs, describes the relationship between state vocational rehabilitation agencies and the financial aid process, and lists organizations that offer disability-related grants and scholarships for postsecondary education. The paper suggests other sources of financial assistance for individuals with disabilities and recommends web sites where students will find additional financial aid information. Also included is a precollege financial aid checklist to help students plan and manage a funding search.
 
Disability Resources Monthly Guide to Disability Resources on the Internet
Includes links to financial aid and grants resources.
 
Ethel Louise Armstrong Foundation (ELA)
Supports professional organizations that work with people with disabilities through grants and scholarships that further their goals of education, advocacy, leadership development, mentorship and the arts. The Foundation especially seeks to support the work of organizations that are led by or support the work of women and girls with disabilities. The next deadline for applications is November 1 and grants are small, ranging from $1,000 to $5,000. For more information contact Ms. Deborah Lewis, 626-398-8840, email: executive director@ela.org.
In addition the Foundation is committed to expanding opportunities for female graduate students with disabilities and developing future leadership in the disability community. The foundation will award one or two scholarships of up to $2,000 each per academic year to supplement financial assistance received by a female graduate student(s). Visit the ELA Web site for complete eligibility information and application guidelines and forms.
 
Financial Resources for Individuals Interested In International Exchange Opportunities
Courtesy of Mobility International USA National Clearinghouse on Disability and Exchange.
 
Foundation Center RFP Bulletin: Disabled
The RFP (Request for Proposals) Bulletin is published weekly by the Foundation Center. Each RFP listing provides a brief overview of a current funding opportunity offered by a foundation or other grant making organization. Interested applicants should read the full RFP at the grant maker's Web site or contact the grant maker directly for complete program guidelines and eligibility requirements before submitting a proposal to that grant maker.
 
Foundation for Exceptional Children Grant and Scholarship Programs
The Foundation for Exceptional Children (http://www.cec.sped.org/fd/back.htm) is a national organization committed to improving the lives of children and youth with disabilities. Currently, the foundation is accepting applications for Scholarship Awards and Minigrant Awards. In the former category (deadline: February 1, 2001), FEC offers Stanley E. Jackson Scholarship Awards and the Infinitec Scholarship Award for full-time, post-secondary education or training during 2001-2002. Post-secondary education or training includes two- and four-year under-graduate college programs or vocational, technical, or fine arts training. Applicants must be anticipating enrollment for the first time in full-time, post-secondary education or training during 2001-2002 and also must provide evidence of financial need. Different recipients will be selected in each award category, and no recipient will receive more than one award. The FEC minigrants (deadline: March 1, 2001) program provides funds to schools, community groups, and other centers of learning for innovative educational programs. Between 20 and 30 grants are awarded annually. Minigrant awards of up to $500 will be made for innovative education-related projects that directly benefit gifted children or youth and/or children and youth with disabilities. For more information, contact: Foundation for Exceptional Children, 1920 Association Drive, Reston, Virginia 20191; Tel: (703) 264-3507. Source: Foundation Cener RFP Bulletin, December 15, 2000.
 
Foundations and Corporate Grant Programs Related to Disability
A collection of foundations and corporate grant programs that may be of interest to many NIDRR grantees AND have Internet sites. Sponsored by the National Center for the Dissemination of Disability Research (NIDRR).
 
Guide Dog Foundation for the Blind, Inc
This charity provides trained guide dogs to the blind at absolutely no charge. They also include training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Guide Dog Foundation for the Blind, Inc, 371 East Jericho Tpke., Smithtown, NJ 11787; Telephone: 800-548-4337; 631-265-2121.
 
HEATH Resource Center
George Washington University has received a grant from the U.S. Department of Education's Office of Special Education and Rehabilitative Services to operate the National Clearinghouse on Postsecondary Education for Individuals with Disabilities, known as the HEATH Resource Center. The web page contains information about funding opportunities along with many other resources.
 
Mitsubishi Electric America Foundation
The Mitsubishi Electric America Foundation gives national "Starfish Grants" to benefit young people with disabilities throughout the country.
 
National Federation of the Blind Scholarship Program
Each year at its National Convention in July, the National Federation of the Blind gives a broad array of scholarships to recognize achievement by blind scholars. All applicants for these scholarships must be (1) legally blind and (2) pursuing or planning to pursue a full-time post-secondary course of study. In addition to these restrictions, some scholarships have been further restricted by the donor.
 
NEC Foundation of America
Makes cash grants to nonprofit organizations and programs with national reach and impact in one or both of the following arenas: science and technology education, principally at the secondary level, and/or the application of technology to assist people with disabilities.
 
Pilot Dogs, Inc.
This charity gives its trained animals to the blind at absolutely no charge. They also include four weeks of training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Pilot Dogs, Inc., 625 West Town Street, Columbus, OH 43215; Contact - Telephone: 614-221-6367; Fax: 614-221-1577
 
Rehabilitation Engineering and Assistive Technology Society of North America
Need money to buy a van, a talking computer, or rubber door know grips? People with disabilities now have a place to turn to learn everything they need to know about how the latest in technology can improve their lives. It can be a specially equipped van, a talking computer, a special kitchen or eating aid, or adaptive toys for children. Or it may be a student with learning disabilities who needs special help getting through school. A project funded by the U.S. Department of Education, called Technical Assistance Project has established an office in each state that can provide: Information Services: will help you identify the special products that are available to help you cope with your disability. Equipment Loan Program: allows people to borrow new technology devices for a number of weeks before they purchase them. Recycling Program: matches up people with needs for products with people who want to sell or donate products. Funding Information: collects information on the various sources of funding for this equipment from public and private sources. Loans: many states are offering special loans to help people purchase the necessary equipment; Ohio offers low interest loans up to $10,000, California has loans up to $20,000, North Carolina up to $15,000.
Contact your state Office of Social Services or Vocational Rehabilitation (In Michigan the Family Independence Agency). If you have trouble locating your state office, you can contact the office that coordinates all state activities: Rehabilitation Engineering and Assertive Technology Society of North America, (RESNA), 1700 North Moore Street, #1540, Arlington, VA 22209; Telephone: 703-524-6686; Fax: 703-524-6630; TTY: 703-524-6639
 
Shaklee Teacher Award
The Shaklee Teacher Award is designed to recognize up to ten of America's most outstanding teachers of children with disabilities. Selection of teachers will be based on specific student outcomes and related contributions they have accomplished in their roles as teachers of children with disabilities. The standards reflected in this award exemplify the attributes of outstanding educators as determined by the Shaklee Institute Senior Scholars. Benefits of the 2001 Shaklee Teacher Award include a $1,000 cash award, a specially-designed pewter sculpture, and a four-day summer session learning experience. The application process requires the outstanding teacher to describe numerous aspects of their competence as an educator and their overall involvement within the field. The award is limited to professionals involved in direct teaching programs for children with disabilities. Applications are available online. (There is a $25 application fee.) For more information, contact: Shaklee Institute for Improving Special Education, 8700 East 29th Street North, Wichita, Kansas 67226; Tel: (316) 634-8735 or (800) 835-1043; Email: ksoule@heartspring.org. Source: Foundation Center RFP Bulletin, Dec. 22, 2000.

Summer Precollege Programs for Students with Disabilities - 2001 Edition
This resource web page describes campus-based postsecondary orientation programs for students with various types of disability. The new edition describes 17 programs located in nine states throughout the country, and provides details about program features, curricula, tuition and contact information. (Other colleges not listed here may also have summer precollege programs, but may limit admission to those students who have been admitted to that college. Therefore, interested students should also consult the college to which they have been admitted.)

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

Search for free grants for disabled people.

Personal Credit

Personal credit scores are based on standards of the major credit rating bureaus: Experian, Equifax, and TransUnion. Lenders average the fixed score from each of these to determine a borrower’s eligibility and terms of financing. The rating system looks at several factors and gives a points rating to each one. Positive and negative factors can affect the score.

Factors that can affect credit scores:

* Payment history accounts for about 35% and the way debts are paid, for example if they are paid in a timely manner or paid late. It reflects the number of past due items and how long they were

  delinquent, or if there was any collection activity. Another factor is any public records like bankruptcies, liens, and wage garnishments.

* Current total debts accounts for around 30% and considers the total amount of debts owed. This is the number of accounts and each balance owed and it influences FICO scores. Credit bureaus will

   look at outstanding debts in relation to the available credit. Getting out of debt by paying down debts can help raise scores over time.

* The length of credit history is a factor concerning the amount of time accounts have been open and the account activity.

* New credit is any recent accounts established. This also includes any credit inquiries indicating attempts to get new lines of credit.

* Types of credit considered is the total number of the types of credit that has been secured. This includes revolving debt on credit cards and retail accounts.

Some lenders may not view past performance as a guarantee of future performance. This is not always true as a credit rating is an indicator of past borrowing and repayment performance.

This can give lenders an idea of how likely it will be for a borrower to repay a new loan in full, on time. They use a consumer's credit rating to determine their risk in loaning money.

A person who has a good credit rating may not have to pay high interest fees or may not have to give a large down payment. Personal credit scores are used to determine whether to loan money to small businesses and corporations. Factors like age, race, ethnic background, religion, sex, and marital status, do not influence scores. Employment history, current employment, wages, and assets are not taken into consideration as part of FICO scores, yet some lenders may look at these areas when evaluating a person's credit worthiness.

Qualified borrowers have a FICO rating of 750 or better, yet people with a score of 650 may be able to get a loan that has higher interest rates. These scores can change monthly to reflect any changes to the criteria used to determine the score. If a loan is paid off it could improve scores. If a bill is not paid or bankruptcy is filed, it could lower scores. Monitoring scores can help identify any problems that may need correcting. AnnualCreditReport.com is the site to visit to request a free credit report, and get credit information almost immediately, but it can take longer when not using the Internet. Credit services can help monitor FICO scores but it usually requires a monthly fee.

Free Government Money Scams	Don't be a victim of free government money scams, such as grants and loans that you never pay back.
Government Auctions & Seizures	You have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
Government VITA Grant	The IRS is seeking applications for the new Volunteer Income Tax Assistance (VITA) matching grant program. Also search our resources for other free money such as unclaimed funds and property.

Where To Find Government Grants	The federal CFDA website is where to find Government Grants, but as of the date of this article the government is still overhauling it.
Abandoned and Unclaimed Property	Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
2 Mortgages Comparison	Comparison of 2 mortgages from people with identical bad credit histories; one an ARM and one a 30 year fixed rate home loan. Should there be a government grant or mortgage refinancing to solve late payments and defaults?

File Disability	How to file disability. You can apply online or call a toll free number to file for government free money and assistance.

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