There's Billions in Free Money Waiting for Your Family.
Why Isn't Anyone Telling You?
Grants don't need to be repaid. They don't charge interest.
And right now, most families have no idea they qualify.
$4.4B
Pell Grants Unclaimed (2024)
830K
Eligible Students Who Never Applied
$5,339
Average Left on Table Per Student
WHAT IS A GRANT?
Free Money That Never Asks for Anything Back.
A grant is a sum of money given to an individual, family, or organization for a specific purpose, and unlike a loan, it does not need to be repaid. Grants come from the federal government, state agencies, private foundations, corporations, nonprofits, and community organizations. They exist to fund education, housing, entrepreneurship, arts, research, and more.
Think of a grant as a reward for taking action. Grantors want to put money into the world — their goal is to find qualifying applicants. The problem? Most people don't know the money exists, don't believe they qualify, or simply never apply.
Every year, billions of dollars sit in grant funds waiting to be claimed, and the families who need it most are the least likely to know it's there.
— Anthony & Crystal Obey, Homeschool Money
WHO QUALIFIES
More People Than You Think
Families at almost every income level can qualify for some type of grant. There are grants for low income, middle income, first-generation students, minorities, rural families, homeschoolers, and more.
WHAT IT COVERS
Far More Than Tuition
Grants can fund K–12 curriculum, extracurricular activities, college tuition, trade school, starting a business, buying a home, and even travel and personal development.
WHEN TO APPLY
Year-Round Opportunities
Many grants have rolling deadlines or annual cycles. The key is knowing when windows open — which is exactly what our newsletter delivers to your inbox.
WHERE THEY COME FROM
Public & Private Sources
Federal agencies like the Dept. of Education, HUD, and SBA; state governments; corporations like Google and FedEx; foundations, religious organizations, and local community groups.
The Staggering Scale of Unclaimed Grant Money
Here's the truth that the financial industry doesn't profit from telling you: the United States distributes hundreds of billions of dollars in grants annually across education, housing, entrepreneurship, and community development. And a significant portion goes unclaimed, not because the money runs out, but because families simply don't apply.
$4.4 Billion...
In Pell Grants alone went unclaimed by the high school class of 2024, because 830,000 eligible students never completed a single form.
Source: National College Attainment Network, 2025
That number has grown every single year since 2022, up from $3.6B in 2022 to $4B in 2023 to $4.4B in 2024. And that's just one federal grant program. Add in state education grants, small business development grants, homeownership assistance programs, and private foundation awards, and the total unclaimed opportunity reaches into the tens of billions.
Why does so much go unclaimed?
Three reasons: lack of awareness (people don't know the money exists), fear of complexity (the application process feels daunting), and limiting beliefs (people assume they won't qualify). All three are solvable, which is exactly what we help you do.
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The Real Cost of Not Applying
When families skip grants and fund education, homeownership, or entrepreneurship with debt instead, they pay a massive price. The average student loan borrower leaves school carrying over $37,000 in debt. Small business owners take on high-interest loans when grants were available. Homebuyers drain their savings for down payments that could have been covered. The financial system is built around debt, but grants are the alternative that nobody talks about.
6 Types of Grants Every Family Should Know About
Grants don't live in just one place. Here are the major categories of grants available to families; many of which Anthony and Crystal have personally used or helped others secure:
K–12 Education Grants
Funds for curriculum, tutoring, testing, educational materials, co-op fees, and special learning needs. State-level ESA programs (like Texas's TEFA) can provide $2,000–$30,000 per child.
Extracurricular Grants
Sports leagues, music programs, arts education, robotics, theater, coding camps; foundations and corporations fund these experiences so financial limits don't decide who gets to participate.
College Education Grants
Pell Grants, state-level college grants, institutional grants, and need-based aid packages. Up to $7,395/year in federal Pell Grants alone, and that's just the floor.
Career & Trade Training Grants
Workforce development grants fund trade school, certifications, apprenticeships, and vocational training, often entirely free for qualifying applicants.
Extracurricular Grants
Federal SBA grants, SBIR/STTR programs, state economic development grants, and private foundation awards fund family businesses, especially those led by women, minorities, and rural entrepreneurs.
Homeownership Grants
HUD-funded down payment assistance, state housing authority grants, and local first-time homebuyer programs can cover thousands in costs, completely free of repayment.
OUR STORY
We Didn't Inherit Wealth. We Found the Doors Nobody Told Us About.
Anthony and Crystal Obey have been married 23 years, homeschooling for 14, and raising 5 children on a mission to prove that your family's financial future doesn't have to be built on debt. They started where most families start: with more dreams than dollars and no blueprint for how to bridge the gap.
Over time, they discovered what most financial advisors never mention, that there are billions of dollars available in grants for families willing to learn the system.
They've personally received grants for education, entrepreneurship, homeownership, hobbies, and travel. They've helped others win them too. And they've structured their family's financial life around one simple principle: why borrow what you might be able to earn for free?
"We want every homeschool family in America to know: the money is out there. It has always been there. You just need someone to hand you the map."
Today, Anthony and Crystal are on a mission to deliver $1 billion in funding to the homeschool movement; and they're doing it one family at a time through their newsletter, podcast, and community at HomeschoolMoney.com.
Their goal: 100,000 families funded, educated, and free.
The Homeschool Money newsletter is where they reveal the actual opportunities: open grant windows, application tips, insider sources, and deadline alerts that most families will never hear about, until now.
Why Grants Matter More Than Ever Right Now
Why Isn't Anyone Telling You?
We are living in a debt epidemic. Total U.S. student loan debt has crossed $1.77 trillion. Credit card debt has hit record highs. Families are stretching thinner to give their children the opportunities they deserve; and the financial system profits from every dollar of that stress.
Grants represent a different path. One that doesn't start with a bill. Here's why pursuing grants is one of the smartest financial moves a family can make:
No repayment. A grant is not a loan. There's no interest, no monthly payment, no debt collector. It's free money with no strings attached (when used for its intended purpose).
You are likely eligible for more than you think. Grants exist at every income level, not just for the lowest earners. Middle-income families qualify for thousands in overlooked programs.
Grant money stacks. You can apply for, and receive, multiple grants simultaneously. Many families layer education grants, housing grants, and business grants to build a fully funded life.
The competition is lower than you imagine. Billions go unclaimed each year because people don't apply. That means your odds are better than any lottery.
Knowing where to look is the entire game. Most grant opportunities are public knowledge, buried in government websites, foundation portals, and niche newsletters. Knowing where to look is the skill. We teach that skill.
$4.4B
Pell Grants Unclaimed (2024)
830K
Eligible Students Who Never Applied
$5,339
Average Left on Table Per Student
Join a Fast-Growing Number of Families on a Mission
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