Apartments for Low Income

Questions and Answers

Your Questions About Low Income Housing Projects

June 18, 2013

Maria asks…

Are cities required to provide public housing housing to it’s citizens?

I live in a city that has recently torn down several housing projects, and is currently pouring millions into revitalization of some neighborhoods that contain projects. Many have argued that the revitalization will have no effect when there are high-crime housing projects in the neighborhood. So I was wondering if the city has a legal responsibility or requirement of providing public housing to it’s citizens.

Administrator answers:

No. Right to low income housing is not in the Federal Constitution or in a State Constitution.

John asks…

what are the chances of recieving a college scholaship?

i am planning ahead for college in a few years, and my family’s not exactly rich. what are the possible chances for getting a scholarship? is it more likely if you play sports? have good grades? or do a lot of extra-curricular activities (like being presidents of organizations, or doing a lot of projects) help!

Administrator answers:

There are a lot of ways to get college scholarships. Your high school guidance counselor will have a large book of private companies that offer scholorships for various amounts, but they usually require you to do a project or essay. Very time consuming and possibly not very rewarding for the time invested. The best way is to get very good grades. The higher your GPA, the more colleges will want you to attend their school. A high GPA usually means you have good study habits and will continue to do well in thier program. Try to stick with high scool courses that are hard science (math, biology, etc.) based, or geared toward your desired career. Colleges will weight grades relevent to your planned course of study higher usually. Your state may offer scholorships based on your GPA to attend a school in that state (for instance, in FL there is the Bright Futures Scholorship that many students get to attend a FL college). Private universities usually offer their own scholorships to students.
If your family does not make much money, you may qualify for “need-based” aid. This is often hard to get, usually you need to be close to the poverty level, which is around $11,000 per year last I knew for a single person, I don’t know for a family. You will have to fill out the FAFSA (federal application for student aid) when you start to apply. It is found online, and you fill it out at the beginning of every year. It is a questionaire about your living situation and income. The state and federal government will award you grants (you don’t need to pay grants back) or loans with a low interest rate based on income. Private schools may also offer individual scholorships from their own budget.
It is also important to do as well as you can on your SAT (or equivalent standardized test). This usually is done your junior year of high school, so the results will be back in time for college application deadlines. TAKE THE PRACTICE TEST, any prep courses you can get into, and get a book to prepare. Colleges use these scores to predict who will do well in their program (whether this is a great predictor is debateable, a lot of people don’t do well because of anxiety, so many schools put more weight on GPA. However, many schools have a minimum score required to even apply.)
Sports scholarships are offered to students who excell in a sport if the college has that sport in its program, so if you are athletic this is a possibility. Sports and any other extra-curricular activity always look great on an application. If your family does not have much money and you need to work through high school, even steady employment looks great on an application (as long as it doesn’t negatively impact your grades).
Even if you do not qualify for enough scholorships to cover your tuition, do not let this stop you from going to college. You can ALWAYS get student loans. Federal loans have the best interest rates, and then banks offer private loans that you will have to shop around for the best deal. If your family does not have a high income, you will probably qualify for plenty of federal loans. If you need to pay for your education with loans, consider a state university instead of a private one since the tuition is usually much lower. Loans are not pleasant, but they are often necessary and can be manageable, even if they sound like a crazy amount of money to owe somebody. You need to research your career carefully if you are using loans. Know what degree is necessary to do what you want to do, and how much money you will earn in that profession. For instance, computer engineers may make 50 thousand dollars per year (after taxes) to start in the area that you want to live. You can become a computer engineer with a bachelor’s (4yr) degree. The college that you want to go to charges 20,000 per year. You work to pay for living expenses while you are in school (meal plan, housing). Your loan payment may be about $1,000 per month for 10 years. It is a lot of money, but you will be able to support yourself with the remaining $3100 per month in your salary.

You will have many options to pay for college. Take it one step at a time and concentrate on what you can do to improve your options in the present. Take time to study, and a little to enjoy yourself, too. Good luck.

David asks…

Will our next administration adjust taxes to make up for inflation?

Cost of living keeps going up year by year, which means labor and materials cost go up as well. Do we keep voting in tax bonds for infrastructure projects? Do we increase the tax rates for everyone to make up for the govn`t, and it`s employees pay and benefits? How can we do both? As a conservative I hate taxes, but I wonder how we can keep this going the way COLA keeps going up?

Administrator answers:

I don’t think you have to worry about inflation. Sure, commodities did spike as the housing market collapsed and then the banks started to run into trouble, but that was all speculation on the part of people with capital trying to latch onto a next-possible bubble to get better returns than T-bills offer.

Given the state of the global banking system and the US economy, what is more likely is that there will be stag-deflation (stagnant economy and low inflation or mild deflation). We are hoping to avoid outright deflation.

As for basic macro economics, the beauty of a progressive income tax is that if there is inflation, then higher tax brackets act to slow inflation, so as wages inflate, taxes slow the economy from overheating and turning into a hyperinflationary economy.

However, if we get deflation, then wages remain stagnant or decline and unemployment rises, and then you wind up running larger deficits due to dropping tax proceeds, so a progressive tax system acts to reduce taxes as wages drop at the cost of deficits.

So if we get deflation, then taxes decrease, and this has a stimulative effect (with the marginal propensity to consume being largest as you work your way down the wage ladder).

I mentioned deficits because when they get very large, then interest on them becomes a significant share of the GDP, and that means a larger and larger chunk of tax receipts do not get spent in a manner that generates consumer demand.

Betty asks…

Is there any type of government housing available in Wisconsin?

I want to move to Sheboygan, Wisconsin. Is there any type of government, or low cost housing available, where they charge you based on your income? Where can I find information about this? Or what would be an alternative solution to this? Thanks.

Administrator answers:

The only housing projects in WI are for the elderly. You will have to pay your own rent until you are a senior citizen.

Linda asks…

What are the chances of getting government grant for an person of low income?

Administrator answers:

Here is a complete list of government grants available for a low income person

0.406 USDA Farm Operating Loans
10.411 USDA Rural Housing Site Loans and Self_Help Housing Land Development Loans
10.415 USDA Rural Rental Housing Loans
10.417 USDA Very Low-Income Housing Repair Loans and Grants
10.420 USDA Rural Self-Help Housing Technical Assistance
10.427 USDA Rural Rental Assistance Payments
10.438 USDA Section 538 Rural Rental Housing Guaranteed Loans
10.441 USDA Technical and Supervisory Assistance Grants
10.442 USDA Housing Application Packaging Grants
10.444 USDA Direct Housing_Natural Disaster Loans and Grants
10.550 USDA Food Donation
10.551 USDA Food Stamps
10.565 USDA Commodity Supplemental Food Program
10.568 USDA Emergency Food Assistance Program (Administrative Costs)
10.569 USDA Emergency Food Assistance Program (Food Commodities)
10.580 USDA Food Stamp Program Outreach Grants
11.300 DOC Grants for Public Works and Economic Development Facilities
11.303 DOC Economic Development_Technical Assistance
14.103 HUD Interest Reduction Payments_Rental and Cooperative Housing for Lower Income Families
14.149 HUD Rent Supplements_Rental Housing for Lower Income Families
14.218 HUD Community Development Block Grants/Entitlement Grants
14.228 HUD Community Development Block Grants/State’s Program
14.247 HUD Self-Help Homeownership Opportunity Program
14.248 HUD Community Development Block Grants_Section 108 Loan Guarantees
14.310 HUD Teacher Next Door Initiative
14.313 HUD Dollar Home Sales
14.850 HUD Public and Indian Housing
14.856 HUD Lower Income Housing Assistance Program_Section 8 Moderate Rehabilitation
14.867 HUD Indian Housing Block Grants
14.871 HUD Section 8 Housing Choice Vouchers
14.872 HUD Public Housing Capital Fund
15.113 DOI Indian Social Services_Welfare Assistance
17.235 DOL Senior Community Service Employment Program
17.261 DOL WIA Pilots, Demonstrations, and Research Projects
17.264 DOL National Farmworker Jobs Program
21.008 TREAS Low-Income Taxpayer Clinics
27.003 OPM Federal Student Temporary Employment Program
44.002 NCUA Community Development Revolving Loan Fund Program for Credit Unions
59.007 SBA 7(j) Technical Assistance
59.011 SBA Small Business Investment Companies
59.012 SBA Small Business Loans
66.032 EPA State Indoor Radon Grants
81.042 DOE Weatherization Assistance for Low-Income Persons
84.044 ED TRIO_Talent Search
84.066 ED TRIO_Educational Opportunity Centers
84.069 ED Leveraging Educational Assistance Partnership
84.217 ED TRIO_McNair Post-Baccalaureate Achievement
84.334 ED Gaining Early Awareness and Readiness for Undergraduate Programs
84.335 ED Child Care Access Means Parents in School
84.336 ED Teacher Quality Enhancement Grants
84.364 ED Literacy through School Libraries
93.044 HHS Special Programs for the Aging_Title III, Part B_Grants for Supportive Services and Senior Centers
93.045 HHS Special Programs for the Aging_Title III, Part C_Nutrition Services
93.178 HHS Nursing Workforce Diversity
93.187 HHS Undergraduate Scholarship Program for Individuals from Disadvantaged Backgrounds
93.208 HHS Great Lakes Human Health Effects Research
93.217 HHS Family Planning_Services
93.560 HHS Family Support Payments to States_Assistance Payments
93.563 HHS Child Support Enforcement
93.568 HHS Low-Income Home Energy Assistance
93.569 HHS Community Services Block Grant
93.570 HHS Community Services Block Grant_Discretionary Awards
93.571 HHS Community Services Block Grant Formula and Discretionary Awards Community Food and Nutrition Programs
93.575 HHS Child Care and Development Block Grant
93.579 HHS U.S. Repatriation
93.593 HHS Job Opportunities for Low-Income Individuals
93.595 HHS Welfare Reform Research, Evaluations and National Studies
93.647 HHS Social Services Research and Demonstration
93.767 HHS State Children’s Insurance Program
93.779 HHS Centers for Medicare and Medicaid Services (CMS) Research, Demonstrations and Evaluations
93.783 HHS Medicare Transitional Drug Assistance Program for States
93.822 HHS Health Careers Opportunity Program
93.919 HHS Cooperative Agreements for State-Based Comprehensive Breast and Cervical Cancer Early Detection Programs
93.994 HHS Maternal and Child Health Services Block Grant to the States
94.011 CNCS Foster Grandparent Program
94.013 CNCS Volunteers in Service to America
94.016 CNCS Senior Companion Program
96.006 SSA Supplemental Security Income
96.007 SSA Social Security_Research and Demonstration

You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two FREE sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.

Even if you buy books on “how to get grants” or list that supposedly has information on grants — all of them are mere rehash of what CFDA has, albeit packaged differently.

Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs

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