17 Hidden Hardship Grants for Individuals in 2025 (Apply Now)
Struggling to make ends meet? You’re not alone. Millions of Americans face financial hardships each year, yet many aren’t aware of the numerous hardship grants for individuals that could provide crucial support.
Whether you’re a student drowning in education costs, a disabled veteran needing home modifications, or a small business owner facing challenges, there’s likely a grant program designed for your situation. These hidden funding opportunities don’t require repayment, making them valuable resources for those in need.
From federal assistance programs to private foundation support, we’ve uncovered 17 lesser-known grants that could help ease your financial burden in 2025. Let’s explore these opportunities and learn how you can apply for them right away.
Federal Pell Grant for Low-Income Students
Image Source: Federal Student Aid
The Federal Pell Grant stands as a cornerstone of financial aid for students facing economic challenges. This essential hardship grant for individuals helps millions of undergraduates afford higher education without the burden of repayment.
Federal Pell Grant eligibility in 2025
For the 2025-26 academic year, eligibility primarily targets undergraduate students with exceptional financial need who haven’t yet earned a bachelor’s, graduate, or professional degree [1]. Additionally, students in approved Prison Education Programs may qualify [1].
Eligibility is determined through three potential paths:
- Maximum Pell Grant: Available to dependent students whose parents aren’t required to file tax returns, or have AGI below specific poverty guideline thresholds (225% for single parents, 175% for non-single parents) [2]
- Minimum Pell Grant: Available to students with higher but still limited incomes, including dependent students with single parents having AGI up to 325% of poverty guidelines [2]
- Calculated Pell Grant: Based on Student Aid Index (SAI) from FAFSA form [2]
Furthermore, students can receive Pell Grants for a maximum of 12 full-time terms, approximately six years of education [1].
Federal Pell Grant maximum award amount
The maximum Pell Grant award for 2025-26 remains fixed at $7,395 [2], while the minimum award is $740 (10% of the maximum) [2]. The specific amount awarded depends on four key factors:
- Your Student Aid Index from the FAFSA
- Cost of attendance for your specific program
- Full-time or part-time enrollment status
- Plans to attend for full academic year or less [1]
Notably, eligible students may receive up to 150% of their scheduled award in a single academic year through the "year-round Pell" provision [1].
How to apply for the Federal Pell Grant
Applying for this valuable hardship grant requires submitting the Free Application for Federal Student Aid (FAFSA) [1]. This single application considers you for various forms of financial aid, including the Pell Grant.
To maintain eligibility, you must complete the FAFSA annually [1]. After submission, your estimated Pell Grant amount will appear on your FAFSA Submission Summary [3].
Above all, even if you’re uncertain about qualifying, submit your application. Many students miss out on thousands in grant money simply because they don’t apply [3].
Social Security Disability Insurance (SSDI)
Image Source: SSA
Social Security Disability Insurance (SSDI) provides vital financial support to workers who can no longer earn a living due to severe medical conditions. This program serves as a crucial safety net for millions of Americans facing long-term disabilities.
SSDI grant benefits for disabled individuals
SSDI delivers monthly payments to approximately 7.3 million disabled workers as of April 2024 [1]. The average monthly benefit stands at $1,538 (roughly $18,456 annually) [1], replacing about half of disabled workers’ final earnings prior to disability [1].
Benefits extend beyond individual recipients—payments also reach 86,000 spouses and 1.1 million children under age 18 [1]. After receiving approval, beneficiaries face a five-month waiting period before payments begin [4]. Once started, benefits typically continue until the recipient can work regularly again or reaches full retirement age, at which point disability benefits convert to retirement benefits [5].
SSDI eligibility requirements
To qualify for SSDI, applicants must meet both work history and medical requirements:
Work Requirements:
- Must be "fully insured," having worked at least one-fourth of adult life [1]
- Must be "disability insured," having worked in at least five of the last ten years [1]
- Generally need 40 work credits total, with 20 earned in the last 10 years [5]
- Younger workers may qualify with fewer credits [5]
Medical Requirements:
- Must have a severe physical or mental impairment lasting at least 12 months or resulting in death [5]
- Condition must prevent performing previous work and any substantial gainful activity [1]
- Unable to earn more than $1,620 monthly ($2,700 for blind individuals) in 2025 [5]
How SSDI supports long-term hardship
SSDI serves as a financial lifeline for those facing severe disabilities. Without these benefits, more than half of disabled beneficiaries aged 18-64 would experience poverty [1]. Nevertheless, despite receiving SSDI, approximately 25% of beneficiaries still have family incomes below the official poverty line [1].
Beyond monthly payments, SSDI provides valuable work incentives. Recipients can earn unlimited amounts during a nine-month trial work period without losing benefits [1]. Moreover, SSDI beneficiaries gain Medicare eligibility after a 24-month waiting period [2], though exceptions exist for certain conditions like ALS [2].
SSDI funding comes primarily from Social Security payroll taxes, totaling approximately $152 billion in 2023 [1]. The program remains financially stable, with projections indicating full funding throughout the 75-year projection period (until 2098) [1].
Supplemental Security Income (SSI)
Image Source: SSA
Unlike other assistance programs, Supplemental Security Income (SSI) serves as a critical lifeline specifically for people with minimal financial resources. This federal program offers monthly cash payments to help the most vulnerable meet their basic needs.
SSI financial support for low-income disabled individuals
SSI provides monthly payments to three main groups: those who are disabled, blind, or aged 65 and older with limited income and resources. In 2024, individuals can receive a maximum federal benefit of $943 monthly, while eligible couples may receive up to $1,415 [3]. However, actual payments average around $698 monthly [3] since the amount decreases based on other income sources.
The program offers additional support beyond direct payments. Most SSI recipients automatically qualify for Medicaid, providing essential healthcare coverage [6]. Approximately 52% also receive food assistance through SNAP [3], plus many qualify for housing assistance [3]. Several states further supplement federal payments with additional monthly amounts [7].
How SSI differs from SSDI
Although both programs support people with disabilities, SSI and SSDI differ fundamentally:
- Funding source: SSI comes from general tax revenues [7], whereas SSDI is funded through Social Security payroll taxes
- Eligibility requirements: SSI is needs-based, requiring limited income and resources [6], while SSDI requires sufficient work history and credits
- Resource limits: SSI applicants must have resources under $2,000 for individuals or $3,000 for couples [8]
- Healthcare coverage: SSI recipients typically receive Medicaid immediately [6], whereas SSDI beneficiaries qualify for Medicare after a 24-month waiting period
How to apply for SSI in 2025
To apply for this hardship grant for individuals, you have several options. Adults with disabilities can complete applications online through the Social Security Administration website [9]. Alternatively, call 1-800-772-1213 to schedule an appointment [9] or visit your local Social Security office.
The application requires documentation proving your income, assets, medical condition(s), and personal identification [9]. For children under 18 or individuals aged 65+ without disabilities, applications must be submitted by phone or in person rather than online [6].
Women-Owned Small Business Grant
Image Source: Small Business Administration
Women entrepreneurs face unique challenges in the business world, especially when seeking financial support. The Women-Owned Small Business Grant program aims to level this playing field through resources that help women launch and grow successful ventures.
Women-Owned Small Business Grant eligibility
To qualify for Women’s Business Center (WBC) grants, applicants must:
- Be a nonprofit organization with 501(c)(3) status [10]
- Operate outside geographical areas of existing WBCs [10]
- Focus on providing services to women entrepreneurs, particularly those who are socially and economically disadvantaged [10]
- Not be an institution of higher education [10]
For businesses seeking assistance from WBCs, the primary requirement is that the company must be at least 51% owned and controlled by women [11]. This ownership structure qualifies entrepreneurs for various programs coordinated through SBA district offices.
Funding amounts and use cases
WBC initial phase grants range from $75,000 to $150,000 per award [10]. The Small Business Administration anticipates awarding approximately 10 grants in the 2025 funding cycle [10].
These funds help establish new Women Business Centers that provide essential services including:
- Business training and counseling [10]
- Access to federal contracts [11]
- Credit and capital opportunities [11]
- Specialized support for socially and economically disadvantaged entrepreneurs [10]
Women who receive assistance through WBCs see significantly better business success rates than those without similar support [11].
How to apply for the WBC grant
Nonprofit organizations can apply through the Notice of Funding Opportunity (NOFO) published by the Small Business Administration. The current application window extends through June 7, 2025 [10].
Individual women entrepreneurs seeking business support should:
- Contact their local WBC through the SBA website
- Inquire about specialized programs like the Verizon Skill Forward platform (application deadline: April 18, 2025) [10]
- Explore complementary resources such as the DreamBuilder curriculum, which offers comprehensive business ownership training in both English and Spanish [11]
Beyond WBC grants, female entrepreneurs can access additional hardship grants for individuals through the OWBO, which coordinates programs specifically designed to overcome unique obstacles women face in business [11].
Post-9/11 GI Bill for Veterans
Image Source: Workshops for Warriors
The Post-9/11 GI Bill represents one of the most valuable hardship grants available to veterans who served after September 10, 2001. This comprehensive education benefit helps thousands of former service members pursue higher education or specialized training without financial strain.
Post-9/11 GI Bill education benefits
The GI Bill provides substantial financial support across several areas. Recipients receive full tuition payments directly to their educational institution—up to $28,937.09 annually for private or foreign schools [12]. Additionally, students receive a monthly housing allowance based on the Basic Allowance for Housing (BAH) for an E-5 with dependents in their school’s location [12].
Other benefits include a yearly stipend of up to $1,000 for books and supplies [12] and possibly a one-time payment of $500 to help veterans relocate from highly rural areas [12]. Consequently, this support can save eligible veterans tens of thousands of dollars throughout their educational journey.
Eligibility for veterans and spouses
Qualifying for the Post-9/11 GI Bill depends primarily on service duration. Veterans receive full benefits (100%) with at least 36 months of active duty, upon receiving a Purple Heart, or after discharge for a service-connected disability following 30+ continuous days of service [13]. Those with shorter service periods receive proportionate benefits:
- 90% for 30-36 months of service
- 80% for 24-30 months
- 70% for 18-24 months
- 60% for 6-18 months
- 50% for 90 days-6 months [13]
Service members can subsequently transfer unused benefits to spouses or children by serving at least six years and committing to four additional years [14]. Spouses may use benefits immediately, whereas children must wait until the service member completes 10 years [14].
How to apply for the GI Bill grant
Veterans can apply through several channels, including the VA website, by mail after calling 888-442-4551, or in person at a VA regional office [2]. Thereafter, applicants must provide their Social Security number, bank account information, education and military history, plus details about their chosen educational institution [2].
Following a 2024 Supreme Court decision, veterans with separate periods of service who qualify for both Montgomery GI Bill and Post-9/11 GI Bill may now receive up to 48 months of combined benefits—12 months beyond the previous limit [15]. This improvement makes this hardship grant for individuals even more valuable for veteran education.
ABLE Accounts for Individuals with Disabilities
Image Source: ABLE National Resource Center
For individuals with disabilities, saving money often creates a cruel dilemma—accumulate more than $2,000 in assets and risk losing essential benefits like Medicaid and SSI [16]. ABLE accounts address this challenge by creating a financial pathway that preserves eligibility for critical support programs.
What is an ABLE account?
An ABLE (Achieving a Better Life Experience) account is a tax-advantaged savings option created by the ABLE Act of 2014 [5]. These accounts allow individuals whose disability began before age 26 to save money without affecting their eligibility for most federally funded benefits [16]. Initially designed to ease financial hardship faced by individuals with disabilities, the program will expand eligibility to those whose disability onset occurred before age 46 starting January 1, 2026 [16].
Essentially, ABLE accounts function similarly to 529 college savings plans but specifically for disability-related expenses [17]. The first $100,000 in an ABLE account is not counted as a personal asset for benefits eligibility [17].
Tax benefits and qualified expenses
ABLE accounts offer substantial tax advantages. Accordingly, all investment earnings grow tax-free when used for qualified disability expenses [5]. In 2025, individuals can contribute up to $19,000 annually [17].
Qualified disability expenses include:
- Education and employment training
- Housing and transportation
- Healthcare and wellness
- Assistive technology
- Personal support services
- Basic living expenses [5]
These funds can be used flexibly to improve independence, health, and quality of life [16].
How to open an ABLE account in 2025
Opening an ABLE account in 2025 requires several steps. First, ensure eligibility through either receiving SSI/SSDI benefits or having a physician certify that your disability meets severity requirements and began before age 26 [16].
Next, select an ABLE program that best meets your needs—over 45 programs exist nationwide, and most allow out-of-state residents to join [18]. Compare programs using the ABLE National Resource Center website [18].
Complete the online application at your chosen state’s ABLE website with these details:
- Personal information (name, address, birthdate, Social Security number)
- Bank account information for initial deposit
- Documentation of disability (kept for your records)
- Choice of account types (savings, checking, investments) [19]
Most programs charge a monthly maintenance fee (approximately $3.25) plus investment fees depending on account options selected [20].
HUD Housing Assistance Grants
Image Source: HUD
Housing costs often drain limited resources, making HUD Housing Assistance Grants essential for individuals facing financial hardship. These programs provide critical support for those struggling to secure safe, affordable housing.
HUD grants for rent and housing
The Housing for Persons with Disabilities Program (Section 811) offers project-based rental assistance to help very low- and extremely low-income persons with disabilities live independently [1]. This program covers the difference between HUD-approved operating costs and tenants’ contributions toward rent [1].
In 2025, the program has secured $356 million in funding [1]. This includes $207 million for Project Rental Assistance Contract renewals and $148 million for Capital Advance and Project Rental Assistance to increase affordable housing supply [1]. The requested funding will support approximately 1,200 new Section 811 units [1].
Meanwhile, other HUD programs include the Housing Choice Voucher Program (Section 8) and Public Housing, which together serve over 3.2 million households [21].
Eligibility for disabled and low-income individuals
To qualify for Section 811 assistance, individuals must be:
- Very low- or extremely low-income persons with disabilities
- In need of affordable housing to access community-based support services
- Between ages 18-62 (for some programs like Maryland’s Section 811) [4]
- Medicaid recipients (for specific state programs) [4]
For Public Housing, eligibility depends on annual gross income, qualification as elderly/disabled/family, and U.S. citizenship or eligible immigration status [21]. Most HUD programs use income limits set at 80% (lower income) and 50% (very low-income) of the area’s median income [21].
How to apply for HUD housing grants
For Section 811 assistance, contact your case manager, support planner, or resource coordinator [4]. With this program, tenants typically pay 30% of their income for rent and utilities [4].
For Public Housing, submit a written application to your local Housing Authority (HA) [21]. You’ll need to provide information about household members, income sources, current housing, and previous landlords [21].
Organizations seeking HUD grants must register with Grants.gov and obtain a DUNS number through Dun & Bradstreet [22]. All applicants must maintain an active registration with the System for Award Management (SAM) [22].
Start-Up Grant for Small Businesses
Image Source: Template.net
Entrepreneurs facing financial obstacles can find relief through startup grants designed to support small business creation. Unlike loans, these grants provide funding that doesn’t require repayment, making them valuable hardship grants for individuals aiming to achieve financial independence through business ownership.
Start-Up Grant overview and funding amount
Startup grants come in various forms, each with different funding levels. Federal grants typically focus on research and development, technological innovation, or initiatives aligned with national interests [23]. State and local governments offer region-specific grants to stimulate economic development [24]. Corporate grants often provide substantial funding—for instance, the UPS Store Small Biz Challenge awards a grand prize of $25,000 [3], while Visa Everywhere Initiative offers amounts ranging from $10,000 to $100,000 [25].
Industry-specific grants target sectors like healthcare, education, and technology [24]. Programs such as the Secretsos Small Business Grant provide $2,500 quarterly [3], whereas WomensNet offers $10,000 monthly Amber Grants specifically for women entrepreneurs [26].
Eligibility and business plan requirements
Eligibility criteria vary by grant program. Most require compliance with federal, state, and local regulations, plus proper business registration and licensing [24]. Some target specific demographics—women, minorities, or veterans—to address historical funding gaps [24]. Others focus on businesses in particular industries or locations [27].
Nearly all grant applications require a detailed business plan outlining your:
- Business model and growth strategy
- Market analysis
- Financial projections
- Intended use of funds [27]
How to apply for the Start-Up Grant
The application process typically begins with finding suitable opportunities through resources like Grants.gov, Hello Alice, or Challenge.gov [25]. Once identified, you’ll need to:
- Register with the granting organization’s platform
- Prepare required documents including business plans and financial statements
- Complete and submit application forms [28]
Oftentimes, grants provide benefits beyond funding, including networking opportunities, mentorship, and enhanced credibility with investors and customers [24]. Successful applicants typically demonstrate how their business addresses a specific need or innovation gap.
Lifetime Learning Credit
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Education expenses continue throughout life, and the tax code offers relief through the Lifetime Learning Credit—a valuable tax benefit that helps offset the rising costs of continuing education and professional development.
What is the Lifetime Learning Credit?
The Lifetime Learning Credit (LLC) is a non-refundable tax credit that allows you to claim up to $2,000 per tax return for qualified education expenses paid for eligible students [7]. Unlike other hardship grants for individuals, this credit works by reducing your tax liability dollar-for-dollar rather than providing direct funding.
The credit equals 20% of the first $10,000 in qualified education expenses, with a maximum annual credit of $2,000 per tax return [6]. Plus, there’s no limit on how many years you can claim it [8]. This makes the LLC particularly valuable for graduate students, part-time learners, and professionals enhancing their skills through continuing education.
Eligibility for adult learners and professionals
To qualify for the Lifetime Learning Credit, you must:
- Be enrolled in at least one course at an eligible post-secondary educational institution [8]
- Be taking courses to get a degree or credential OR to improve job skills [8]
- Have income below certain thresholds
Income limitations apply based on your modified adjusted gross income (MAGI). For 2025, single filers with MAGI below $80,000 qualify for the full credit, with a phase-out between $80,000 and $90,000 [29]. Married couples filing jointly can earn up to $160,000 for the full credit, with phase-out between $160,000 and $180,000 [29].
Actually, one significant advantage is that you don’t need to be pursuing a degree—this credit covers professional development courses and skill enhancement programs [30]. Certainly, this flexibility makes it accessible to more people than other education credits.
How to claim the credit in 2025
To claim this credit in 2025, you’ll need:
- Form 1098-T from your educational institution, which reports your qualified expenses [7]
- IRS Form 8863 (Education Credits) to calculate and claim the credit [31]
Complete Form 8863, submit it with your Form 1040 or 1040-SR, and enter the credit on Schedule 3, line 3 [31]. Obviously, keep all receipts and documentation of your qualified expenses.
Remember, qualified expenses include tuition and required fees for enrollment [6]. Indeed, books, supplies, and equipment count only if they’re required to be paid directly to the school [30]. Otherwise, they won’t qualify.
Primarily, you cannot claim both the Lifetime Learning Credit and the American Opportunity Credit for the same student in the same year [30]. Hence, evaluate which credit offers you the greatest benefit before applying.
Chanda Plan Foundation Grants
Image Source: SpinalCord.com
Traditional healthcare often falls short for individuals with physical disabilities, which is where the Chanda Plan Foundation steps in with its innovative approach to wellness. This organization offers essential hardship grants for individuals seeking alternative therapeutic options beyond conventional medicine.
Chanda Plan Foundation therapy support
Founded in 2005 by Chanda Leichtle, a C5 quadriplegic injured at age 9, and her sister Crystal Hinton, the Chanda Plan Foundation emerged from firsthand experience with the healing power of integrative therapies. After discovering that alternative practices dramatically improved Chanda’s health, they established this foundation to share these benefits with others facing similar challenges.
The foundation provides financial assistance for several therapeutic services:
- Acupuncture, massage, and chiropractic care
- Adaptive yoga and exercise programs
- Physical therapy and behavioral health services
In addition to direct services, the foundation played a crucial role in developing Colorado’s Complementary & Integrative Health (CIH) waiver, formerly known as the Spinal Cord Injury Waiver. This program, initiated in 2012, enables Medicaid to cover integrative therapies for qualified individuals.
Eligibility for physical disabilities
To qualify for Chanda Plan Foundation grants, applicants must:
Have a diagnosed physical disability
Demonstrate limited financial resources—typically receiving SSI or SSDI
Lack insurance coverage for the requested therapies
Maintain household income below $100,000
For Denver residents, additional geographical restrictions may apply, as some programs specifically serve Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert, and Jefferson counties.
How to apply for Chanda Foundation grants
The application process begins with an eligibility assessment. First, visit the foundation’s website to download and complete their eligibility quiz. Afterward, submit a formal application alongside required documentation, including proof of income.
For personalized assistance or questions, contact their helpline at 800-766-4255. Upon approval, the foundation connects recipients with appropriate providers in their area or arranges for therapy services at their Lakewood, Colorado facility.
Inasmuch as traditional healthcare often excludes integrative approaches, these grants offer vital access to therapies that improve quality of life and reduce long-term healthcare costs for individuals with physical disabilities.
SAH Housing Grants for Disabled Veterans
Image Source: VA News – VA.gov
For disabled veterans, home accessibility presents unique challenges beyond cost alone. The Specially Adapted Housing (SAH) grant program offers critical support for making homes navigable for those with service-connected disabilities.
What is the SAH housing grant?
The SAH grant provides substantial funding to help veterans build, purchase, or modify homes to accommodate service-connected disabilities. For fiscal year 2024, eligible veterans can receive up to $117,014 [9]. Unlike standard home loans, these funds specifically target accessibility modifications and don’t require repayment.
Veterans can use this hardship grant for individuals in three ways: constructing a specially adapted home, modifying an existing home for accessibility, or paying off the mortgage balance on an already-adapted home [32]. Plus, recipients may use the grant up to three times, not exceeding the maximum lifetime amount [33].
Eligibility for disabled veterans
To qualify, veterans must own or plan to own their permanent residence and have a qualifying service-connected disability [9]. Qualifying conditions include:
- Loss or loss of use of more than one limb
- Loss or loss of use of a lower leg with lasting effects of natural disease/injury
- Blindness in both eyes (20/200 visual acuity or less)
- Certain severe burns
- Loss or loss of use of one lower extremity after September 11, 2001, affecting balance or walking [9]
Critically, only 120 veterans per fiscal year can qualify based on post-9/11 single-extremity disabilities [9].
Home modification support through SAH
The SAH grant covers numerous accessibility modifications including:
- Widening doorways and garages
- Installing ramps and accessible bathrooms
- Making switches and outlets accessible
- Replacing carpet to allow wheelchair use
- Installing visual smoke detectors
- Adapting kitchens [34]
To apply, complete VA Form 26-4555 (Application in Acquiring Specially Adapted Housing) through the VA website, by mail, or in person at a VA regional office [35]. In reality, all modifications must receive VA approval before payment [34], as well as final inspection by an SAH Agent upon completion [33].
I Got Legs Foundation Grant
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Innovative technology meets rehabilitation through the I Got Legs Foundation, an organization that brings life-changing mobility solutions to those with paralysis. This unique hardship grant for individuals focuses on empowering people with mobility impairments through cutting-edge exoskeleton technology.
I Got Legs Foundation mission
Founded in 2016, I Got Legs operates as a 501(c)(3) nonprofit organization dedicated to "ReEnabling para-athletes to walk again" by increasing access to exoskeleton technology and supporting breakthrough paralysis research [36]. The foundation addresses the needs of more than 300,000 people with spinal cord injuries and over 5 million living with some form of paralysis in the United States [37].
At its core, the organization pursues three primary objectives:
- Expanding exoskeleton access for para-athletes, veterans, and the paralysis community
- Improving exoskeleton technology
- Advancing research toward reversing paralysis [36]
The foundation has already issued over $40,000 in grants to individuals and disability-related organizations [38], with total funds raised and granted reaching $310,468 [39].
Eligibility for prosthetics and adaptive tech
The I Got Legs grant fund supports initiatives across three key areas:
First, individuals seeking to become Exoskeleton Walkers/Racers qualify for support covering expenses like race fees, repairs, and maintenance [39]. The foundation gives particular attention to veterans, as mandated by regulations that require grantees to provide priority service to veterans and spouses of certain veterans [40].
Second, the foundation supports collegiate varsity adaptive athletes and university adaptive sport programs, with stronger consideration for those participating in their Exoskeleton Racing League [39].
Third, research-focused grants target exoskeleton-related studies, neuromodulation, brain-machine interfaces, and neuroprosthetics [39].
How to apply for I Got Legs grants
The application process begins with determining eligibility based on the foundation’s three focus areas. Potential applicants should visit the organization’s website to learn more about current grant opportunities and specific requirements [28].
Given the foundation’s emphasis on the "athlete mindset," applicants should highlight how exoskeleton technology would enhance their mobility and prepare them for future medical breakthroughs [37].
The foundation has created the ‘Survival of the Fittest Fund’ as both a grant and peer-to-peer fundraising initiative to support qualified individuals and organizations [39]. Once submitted, applications undergo review by the foundation to determine alignment with their mission of expanding exoskeleton access and advancing paralysis research.
High Fives Foundation Grant
Image Source: High Fives Foundation
Adventure sports enthusiasts who suffer life-changing injuries often face both physical and financial mountains to climb. The High Fives Foundation stands ready to assist with specialized hardship grants for individuals recovering from outdoor sports accidents.
High Fives Foundation for injury recovery
Founded in 2009, the High Fives Foundation provides resources and inspiration to athletes who have suffered life-changing injuries such as spinal cord injuries, traumatic brain injuries, amputations, or other mobility-limiting conditions [41]. The organization has disbursed over $10 million since its inception and almost $1 million in Empowerment Camps and Grants funding in 2024 alone [41].
Through its Empowerment Fund, the foundation has served 939 athletes from 47 states, territories, and Canada [41]. Correspondingly, they’ve funded over 1,600 grants since 2009 [41], covering nine funding categories including adaptive sports equipment, healing network services, medical equipment, and living expenses [41].
Eligibility for adventure sport injuries
To qualify for High Fives grants, applicants must:
- Reside in North America with current health insurance coverage [42]
- Have sustained a spinal cord injury, traumatic brain injury, or mobility-limiting injury while participating in outdoor adventure sports [43]
- Have experienced the injury within the past 25 years [42]
Markedly, service-connected wounded veterans and those with inertia-based accidents (falls, car crashes) may qualify if seeking adaptive sports equipment [44].
How to apply for High Fives grants
For 2025, the foundation has streamlined its application process to two grant cycles [45]:
- Cycle 1: January 1-31 (decisions by March 1)
- Cycle 2: July 1-31 (decisions by September 1)
Applicants must provide a detailed description of their injury, recovery goals, and a comprehensive budget [43]. The maximum grant amount is $25,000 per individual [45][42]. To be sure, checks are never written directly to individuals—instead, service providers receive payment from the foundation [42].
Forthwith, prospective applicants should complete the online eligibility quiz at the High Fives website to determine qualification before submitting a formal application [44].
American Opportunity Tax Credit
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College expenses can strain even the most careful financial planning, yet many families overlook valuable tax credits. The American Opportunity Tax Credit (AOTC) stands as a powerful tool for offsetting undergraduate education costs while complementing other hardship grants for individuals.
Overview of the American Opportunity Tax Credit
The AOTC provides financial relief through your tax return rather than direct funding. This credit offers up to $2,500 per eligible student annually for qualified education expenses [10]. The calculation is straightforward: 100% of the first $2,000 in qualified expenses plus 25% of the next $2,000 [10].
First, unlike many tax credits, the AOTC is partially refundable. If the credit reduces your tax liability to zero, you can receive a refund of up to $1,000 (40% of any remaining credit) [10]. Overall, this makes the AOTC particularly valuable for lower-income families.
Eligibility for undergraduate students
To qualify for this credit in 2025, students must meet several requirements:
- Be pursuing a degree or other recognized education credential
- Be enrolled at least half-time for at least one academic period beginning in the tax year
- Be within their first four years of higher education
- Not have claimed the AOTC for more than four tax years
- Not have a felony drug conviction [10]
In fact, income limits also apply. For 2025, single filers must have modified adjusted gross income (MAGI) under $80,000 for the full credit, with a phase-out between $80,000-$90,000 [10]. Married couples filing jointly qualify with MAGI under $160,000, with phase-out between $160,000-$180,000 [10].
How to claim the credit in 2025
To claim the AOTC, you’ll need Form 1098-T from your educational institution, which shows qualified tuition and expenses paid [10]. Second, complete Form 8863 (Education Credits) and attach it to your tax return [10].
Ultimately, qualified expenses include tuition, fees, and course materials like books and supplies [46]. Off-campus housing, medical expenses, transportation, and insurance don’t qualify [11]. Keep documentation of all expenses as proof if audited [10].
Joseph Groh Foundation Grant
Image Source: Joseph Groh Foundation
The construction industry presents unique physical hazards, making the Joseph Groh Foundation’s grants vital lifelines for trades workers facing life-altering disabilities. Established following Joe Groh’s life-changing cycling accident in 2008, this foundation addresses a critical need within the contracting community.
Support for construction workers with disabilities
The Joseph S. Groh Foundation exclusively serves individuals connected to the construction trades industry who are living with permanent, life-altering disabilities [47]. Founded in 2009, the organization pursues a three-part mission: providing information resources, delivering financial assistance, and advocating for affordable disability insurance options for small business employees [48].
To date, the foundation has provided $1.20 million in financial support to 121 families across 34 states [49]. These grants have funded various needs ranging from wheelchair accessible vans to home modifications and assistive technology [49].
Eligible expenses and home modifications
Grants from the Joseph Groh Foundation fund specific materials and services rather than providing direct cash assistance [50]. Eligible expenses include:
- Durable medical equipment
- Construction of wheelchair ramps
- Widening doorways for accessibility
- Bathroom reconstruction for wheelchair access [12][51]
- Accessible wheelchair vans
- Vehicle retrofits
- Assistive and rehabilitative technology [15]
For instance, in 2025, Steven Keller received funding for a bathroom remodel that significantly improved his independence [13]. Likewise, the foundation provided Dalton Dague with a Functional Electrical Stimulation cycle to help with muscle spasms, circulation, and range of motion [52].
How to apply for Joseph Groh Foundation grants
The application process begins online through the foundation’s website, where prospective recipients can access and submit the application form [50]. Fundamentally, applicants must be connected to the contracting trades industry—including HVAC, plumbing, electrical, roofing, or general construction [48].
Upon receiving applications, the Board of Directors evaluates each request based on demonstrated need and the foundation’s ability to provide assistance [50]. Consistent with their commitment to responsiveness, the foundation pledges to answer every application, regardless of whether funding can be approved [50].
Wheels of Happiness Grant
Image Source: wheelsofhappiness.org
Mobility challenges often create barriers to independence, yet the Wheels of Happiness Foundation offers specialized assistance to help individuals overcome these obstacles through targeted support programs.
Wheels of Happiness mission and services
Established in 2015 as a 403(c)b organization, Wheels of Happiness focuses on empowering spinal cord injury survivors and individuals with motor disabilities to achieve independence and meaningful community reintegration [53]. Based in Atlanta, the foundation extends its support to disadvantaged communities worldwide [54].
Their comprehensive programs address multiple needs through:
- Mobility Equipment Program: Providing wheelchairs, walkers, crutches, and repair services [55]
- Educational Support: Offering scholarships for continued learning [14]
- Medical Assistance: Funding critical surgeries and rehabilitation [14]
- Psychological Support: Providing mental health services essential for recovery [56]
Through these initiatives, Wheels of Happiness has successfully assisted over 1,000 individuals with mobility equipment, medical supplies, and financial aid for surgeries and rehabilitation [14].
Eligibility for medical and psychological support
The foundation primarily serves two groups:
- Individuals with spinal cord injuries
- People living with motor disabilities
Given that their mission targets underserved populations, priority goes to those in disadvantaged communities [57]. Ultimately, the goal is to transform recipients into independent, productive community members—creating value not just for individuals but for society as a whole [56].
How to apply for Wheels of Happiness grants
The application process begins through their official website at wheelsofhappiness.org. Afterward, prospective recipients should compile documentation demonstrating their:
- Medical condition
- Financial need
- Specific requirements for equipment or services
The foundation receives funding through three primary channels: corporate partnerships, individual donations, and special fundraising events [53]. These resources fuel their mission to provide hardship grants for individuals facing mobility challenges.
For direct assistance inquiries, contacting the foundation through their website presents the most efficient path to discovering available support options.
Autistic People of Color Fund
Image Source: The Autistic People of Color Fund
Financial assistance specifically designed for neurodivergent minorities remains scarce in traditional funding landscapes. The Autistic People of Color Fund bridges this gap by offering targeted support to those facing intersectional challenges.
Microgrants for autistic people of color
The Autistic People of Color Fund provides direct financial support through microgrants ranging from $100 to $500 [58][2]. Established in June 2018 with support from the American Association of People with Disabilities Hearne Leadership Award, this initiative has distributed over $300,000 to individual autistic people of color [58].
At its core, the fund practices redistributive justice and mutual aid by sharing resources directly with autistic individuals from Black, Brown, Native, Asian, and mixed-race communities [58]. These hardship grants for individuals can be used for various purposes including:
- Basic survival needs (housing, food)
- Community organizing activities
- Educational pursuits
- Leisure and recreation
The fund deliberately avoids supporting ABA therapy, which many in the autistic community consider harmful [58].
Eligibility and funding range
To qualify for consideration in 2025, applicants must meet four specific requirements:
- Be autistic (self-identification is respected)
- Be a person of color (non-white/negatively racialized)
- Be at least 15 years old
- Reside in the United States or a US territory [58][2]
For those wondering about documentation, the fund operates primarily on an honor system—no formal proof of diagnosis is required [2]. Granted that, if administrators have reason to question eligibility, they may request additional information [2].
On balance, the fund prioritizes direct support to autistic individuals themselves. As such, parents or caregivers cannot apply on behalf of dependents, even those under guardianship [2].
How to apply for the fund in 2025
Applications are reviewed quarterly—typically in March, June, September, and December [2]. For urgent situations, emergency requests receive monthly review [2].
The application process requires:
- Completing the online form explaining your need and requested amount
- Providing consent information about sharing grant details
- Submitting identity verification upon approval [2]
Approved recipients must provide either a government-issued photo ID or two official documents showing legal name with picture and address [2]. Payment options include paper checks or direct deposit for US residents [2].
To clarify, funding decisions consider factors like comparative need, access to other resources, and additional marginalized experiences [2]. With this purpose in mind, the fund may award the full requested amount, a partial amount, or decline the application [2].
Conclusion
Financial hardship affects millions of Americans, yet substantial support exists through these diverse grant programs. Each opportunity targets specific needs – from educational pursuits through Pell Grants and tax credits to specialized assistance like the High Fives Foundation’s support for injured athletes.
These hardship grants serve as vital lifelines, offering amounts ranging from $500 microgrants through the Autistic People of Color Fund to substantial housing modifications worth over $117,000 through SAH grants. Many programs focus specifically on underserved communities, ensuring help reaches those facing the greatest barriers.
Above all, success in securing grant funding requires thorough research and careful attention to eligibility requirements. Certainly, while application processes demand time and effort, the potential benefits make pursuing these opportunities worthwhile. Therefore, review each relevant program’s guidelines carefully, gather required documentation early, and submit strong applications within stated deadlines.
Ultimately, these 17 grant programs represent just a portion of available assistance. The key lies in identifying opportunities matching your specific situation and taking decisive action to access this crucial support.
References
[1] – https://www.hud.gov/sites/dfiles/CFO/documents/2024_CJ_Program_-_Housing_for_Persons_with_Disabilities2.pdf
[2] – https://autismandrace.com/autistic-people-of-color-fund/faqs/
[3] – https://www.nerdwallet.com/article/small-business/small-business-grants
[4] – https://mdod.maryland.gov/housing/Pages/section811.aspx
[5] – https://www.ssa.gov/ssi/spotlights/spot-able.html
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[8] – https://www.irs.gov/credits-deductions/individuals/llc
[9] – https://www.va.gov/housing-assistance/disability-housing-grants/
[10] – https://www.irs.gov/credits-deductions/individuals/aotc
[11] – https://www.investopedia.com/terms/a/american-opportunity-tax-credit.asp
[12] – https://www.accessibilitychecker.org/blog/grants-for-people-with-disabilities/
[13] – https://hvacinsider.com/the-joseph-groh-foundation-2025-grant-recipient-steven-keller/
[14] – https://wheelsofhappiness.org/about-us/
[15] – https://www.ecmweb.com/training/article/21254495/contractors-raise-120000-for-joseph-groh-foundation-at-service-world-expo
[16] – https://www.ablenrc.org/what-is-able/what-are-able-acounts/
[17] – https://turbotax.intuit.com/tax-tips/health-care/what-are-able-accounts-tax-benefits-explained/L38O9Aq3C
[18] – https://www.ablenrc.org/get-started/how-do-i-enroll-in-a-program/
[19] – https://www.ablenrc.org/how-to-open-an-account/
[20] – https://www.ablenow.com/open-account/
[21] – http://www.hud.gov/helping-americans/public-housing
[22] – http://www.hud.gov/hud-partners/grants-info
[23] – https://www.sba.gov/funding-programs/grants
[24] – https://stripe.com/resources/more/getting-a-grant-for-a-startup-what-you-need-to-know
[25] – https://www.legalzoom.com/articles/small-business-grants-2025
[26] – https://www.nerdwallet.com/article/small-business/startup-business-grants
[27] – https://www.forbes.com/sites/melissahouston/2024/04/18/how-to-qualify-for-a-small-business-grant/
[28] – https://www.grants.gov/applicants/grant-applications/how-to-apply-for-grants
[29] – https://www.fidelity.com/learning-center/personal-finance/lifetime-learning-credit
[30] – https://www.bankrate.com/taxes/lifetime-learning-credit/
[31] – https://www.irs.gov/credits-deductions/individuals/education-credits-questions-and-answers
[32] – https://www.veteransunited.com/futurehomeowners/youve-earned-it-these-grants-can-give-disabled-vets-a-hand/
[33] – https://veteran.com/specially-adapted-housing-grant/
[34] – https://www.military.com/benefits/veteran-benefits/specially-adapted-housing-faqs.html
[35] – https://www.va.gov/housing-assistance/disability-housing-grants/how-to-apply/
[36] – https://www.igotlegs.org/our-mission
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[38] – https://www.guidestar.org/profile/81-0748143
[39] – https://www.igotlegs.org/survival-of-the-fittest-fund
[40] – https://www.dol.gov/sites/dolgov/files/ETA/grants/2025 PDFs/2025-Application Guide for Funding-Opportunity-Annoucements.pdf
[41] – https://highfivesfoundation.org/programs/empowerment-fund/
[42] – https://highfivesfoundation.org/wp-content/uploads/2024/12/FINAL-Grant-Funding-Policies_2024.docx.pdf
[43] – https://highfivesfoundation.org/wp-content/uploads/2023/12/Grant-Funding-Policies_2024.docx.pdf
[44] – https://highfives.tfaforms.net/3
[45] – https://highfivesfoundation.org/high-fives-foundation-revamps-empowerment-grant-cycles-for-2025/
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[47] – https://www.carlislehvac.com/view.aspx?mode=post&contentID=268
[48] – https://www.josephgrohfoundation.org/
[49] – https://hvacinsider.com/the-joseph-groh-foundation-supports-two-young-men-with-life-changing-mobility-assistance/
[50] – https://www.josephgrohfoundation.org/webapp/p/200/apply-for-assistance
[51] – https://www.sralab.org/lifecenter/resources/listing-grants-adaptive-sports-equipment-automotive-and-home-needs
[52] – https://www.achrnews.com/articles/164409-the-joseph-groh-foundation-2025-grant-recipient-dalton-dague
[53] – https://wheelsofhappiness.org/
[54] – https://ramonahouston.com/social-impact-social-responsibility/the-wheels-of-happiness-foundation/
[55] – https://wheelsofhappiness.org/our-impact/
[56] – https://www.pledge.to/organizations/46-3959183/wheels-of-happiness-foundation
[57] – https://www.mightycause.com/organization/Wheels-Of-Happiness-Foundation
[58] – https://autismandrace.com/autistic-people-of-color-fund/