Government Funded Grants for Your Debt Relief

Government Funded Grants for Your Debt Relief

Do you hate to collect the mail? Are you sure that you are going to have a pile of bills that you are still not able to pay? That is what the trip to the mailbox looks like for many Americans. With lost jobs and wages, many of us are finding it nearly impossible to keep up with the bills.

The hardest situation we are facing is when it is tough to even make our utility or car payments. But the government grant debt relief program can help. There is a way out of your debt.

While you may have heard of some of the grant programs such as the Pell for education and those awarded to small business owners, the debt relief grants seem to get little press. These grants never need to be repaid and the money has been provided by our taxes. Who deserves it more than taxpayers who have fallen upon hard times?

To get started, find the right grant that is suited for your needs. If you can’t make your monthly bills, chances are, there is a grant waiting for you. You can search thousands of grants through some of the many databases online. These can help to match you to the perfect grant.

After you fill it out, mail it in and wait. It usually doesn’t take long for a panel to review your application. If you have done everything as required, you may find yourself with a check of over ,000.00 to help you get your life on the right track.

The best part is, with a government grant for debt relief, you may find yourself running to the mailbox!
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Get Guidance Regarding Government Funded Grants – Apply Today

Get Guidance Regarding Government Funded Grants – Apply Today

>>> Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

Hundreds of grant awards go wasted every year just because people do not claim them. There are several reasons behind that, but most importantly, it is because many people are not aware of their existence. The government does not advertise these grants publicly. Here are some answers to questions that people are usually curious about:

Can I get a grant right now? Do not think that the government is going to provide you with the free money right after you apply. This is not the way it is supposed to work. There is a whole procedure which you have to follow appropriately in order to ensure that you get the grant. The amount of time involved varies from grant to grant.

Why is the government so keen in giving away free money? The government allocates billions of dollars every year to be spent on the development sector which includes grant programs for the welfare of public. This money comes from your own taxes and helping you become financially stable helps boost the economy of the country.

Are these grants for the common people? Of course, yes. If you need help with your house renovations/repairs, if you need to buy a new house, if you have to start a new business, if you have to pay your college tuition, in any case, you will find a grant that suites your exact requirements.

Do I have to repay the money I will receive? These grants are not like bank loans which are to be repaid. As long as you stick to the terms and conditions on which you were provided the grant, there is no repayment.

How hard is it to qualify? Since so many people are applying every day, the competition is getting tougher and tougher. If you go through the application procedure properly, there are high chances that you will receive the grant. You need to ensure you qualify for the exact requirements of the grant before you apply.

Where do I find more information on the subject? Currently, there are countless websites, CDs, books and tapes where you can get the desired information. You can also get the information from the government websites.

Can I get free grant awards for personal debts? Absolutely, there are various debt relief programs which vary on the basis of reason of debt. The Government provides full assistance to the families.

As a US citizen, you are fully eligible to apply; now it is your responsibility to take advantage of this opportunity which does not come every day.

Government Funding

>>> Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

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More Government Funding Articles

Apply For A Government Funded Grant – Get Free Money Today

Apply For A Government Funded Grant – Get Free Money Today

>>> Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

Have you been trying to purchase a new house but do not have the money for that? If that is the case with you, the good news is that you can apply for a grant from the government of the USA.

The government has introduced new grant programs for several different purposes including housing grants. These grants can assist you with a lot of thing related to housing such as renovation, repairs, even purchasing a new house and so on. You never have to repay this money as it is free unlike the bank loans. Your eligibility is not affected by your bad credit because your credit background is not investigated by the government.

The one problem here is that these grants are not publicly advertised by the government. That is the reason a lot of people do not know about them. However, if you go over the internet, you will find countless websites that can provide you with the information you want. The best part is that you can apply for as many grants as you wish at the same time. There is no restriction on the number of grants to apply.

For instance if you want to repair your house so you could make it well enough to be sold, you can also purchase a new house at the same time. This is a golden opportunity from the government.

In order to initiate the procedure of receiving a grant, the first step to take is to gather as much information as you can. The only reason of your rejection would be if you do not follow the proper procedure. Keep in mind that your legal citizenship and your age are the first thing that qualify you for these grants.

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>>> Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

Apply For A Free Government Funded Grant – Read And Find Out How

Apply For A Free Government Funded Grant – Read And Find Out How

Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

Are you in need of a new house? You do not have enough cash to do so? Here is an opportunity for you. Apply for a government grant and get money from the government for free.

Along with many other grant programs that have been introduced by the government of USA, housing grants is also available. Housing grants help you with all the home related matters such as renovation, repairing or purchasing a new one. The money you receive through grants is never supposed to be returned unlike the bank provided loans. Furthermore, the government is not concerned about your financial background which is why you do not have to stress about your bad credit.

The money provided by these grants comes from your very own taxes as well as large corporations who provide 5 percent of their total generated revenue to the government. The only problem here is that these grants are not advertised in the public by the government. That is the reason so many people are not aware of them. But we have a solution for this problem too. If you search over the web, you will be able to find countless websites that provide you with all the necessary information you need.

The best thing about government grants is that there is no restriction on the number of grants you apply for it. This implies that you can apply for as many grants as possible. Yes, it is absolutely true. For instance, if you have to make some repairs to your house but you also want money to buy a new house – you can certainly apply for both the grants.

The only condition you cannot apply for a grant is if you are not 18 years old or if you are not a citizen of the USA. Get all the available information from the internet and decide which grant is the most suitable for you. The process will help you make your application and proposal as impressive as possible since you will be able to know what the government prefers. Get a free grant and enjoy the money.

Government Funding

>>> Let me show you how to get ,000 Free Government Grant from the US Government as little as 7 days. Click here now!

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Related Government Funding Articles

Certificate Iv Frontline Management Government Funded Training For Frontline Management

Certificate Iv Frontline Management Government Funded Training For Frontline Management

Government Funded training for Frontline Management


A top insurance company in Australia received over $ 1 million last year to fund their training from the Department of Education. They used this money to train and develop a large number of participants and to provide them with nationally recognised qualifications.

If you are considering implementing a frontline management program, why not take the time to check whether your participants are eligible for government funding through the traineeship scheme.

Read through the guidelines outlined in this article to find out:

What is in it for the organisation

What is in it for the individual

How to access the funding

Who meets the criteria

How does the system work

How to ensure that government-funded traineeships become a valuable tool for self development

What is the downside

How do you ensure that the process is successful


Traditionally there has been no central reference point for seeking clarification on the process of government-funded traineeships, and the confusion is compounded by traineeships being run under auspices of Australian ‘Apprenticeships’. It is no wonder many HR managers become frustrated when attempting to obtain funding for their staff development!

This article demystifies the traineeship process and explains in simple terms how an HR manager can go about determining whether there are government-funded training opportunities for their employees – particularly when it comes to the well-used and highly respected Frontline Management qualification.

What are the benefits to an organisation of introducing Frontline Management qualifications via traineeships?

The frontline management qualification is suitable in a range of different situations including:

There has been an organisational re-structure and technical experts with little experience have been promoted into team leading or supervisory roles

The team is not meeting key performance indicators and if management training was introduced this would improve the team’s ability to meet high-performance levels

There are challenges in the organisation due to a range of different reasons including teams that are lacking in motivation given the world economic turmoil; teams where there are not high levels of trust and commitment or teams that are not engaging with the organisation’s values.

Managers who are dealing with re-structured teams or teams that have merged and need to re-focus on team goals and objectives

The advantages of introducing traineeships in Frontline Management are on three levels:

1. From a national perspective, traineeships are intended to ensure that Australia is competitive against worldwide benchmarks and that skills shortage areas are addressed.

2. From an organisational perspective, traineeships provide a strong opportunity to up-skill employees to higher standards and to ensure that they also meet nationally stipulated requirements. The funding provided through traineeships becomes a useful extension to the learning and development budget of the organisation and a means for the implementation of on-going, consistent training.

The Certificate IV in Frontline Management is an example of a traineeship that is funded in certain states including NSW, ACT and Queensland. The qualification is Australia’s premier management qualification and is suitable for team leaders, supervisors and managers who have team members reporting to them as well as those who manage resources.

3. From an individual perspective, the traineeships leads to a nationally recognised qualification that is portable to any industry sector and a valuable addition to a CV.

As the Frontline Management qualification is so highly regarded, the individual benefits from having skills recognised in a formal way and from holding a qualification that opens doors to many opportunities.

Which organisations can apply for funded traineeships in Frontline Management?

Funding is available for registered Australian companies that hold an ABN number. Companies are only eligible to share in the funding scheme that relates specially to their industry. For example, a bank cannot collect funding for a hairdressing qualification.

Federal Government departments are not eligible for funding. The owner of a business is not eligible for traineeship funding.

Who in the organisation is eligible for Government Funding for the Frontline Management qualification?

It is important to recognise that government funding for training is not only dependent on the training program itself but also has specific criteria for the eligibility of candidates.

The main criteria for funding a traineeship are a worker’s:

1. Citizenship status

2. Prior qualifications

3. Employment status

Citizenship Status

The worker must be either an Australian citizen, permanent resident or New Zealand citizen who has been resident in Australia for at least six months.

There is also funding available for foreign nationals who have been sponsored by an employer with a ‘Trade Skills Training’ visa (471). Visit the Australian Government Department of Immigration and Citizenship’s website for information on Trade Skills Training visas.

Prior Qualifications

Typically funding is only available when ‘up-skilling’ is occurring. That is, if a worker has previously attended training in a similar area funding is unlikely to be available for this training.

Only nationally recognised qualifications are considered as prior qualifications. For example, a candidate who holds a ‘Microsoft Certified Systems Engineer’ qualification may still be eligible for funding, as this qualification is not nationally recognised.

To confuse the issue, certain nationally recognised qualifications (such as Certificates II, III or IV) are not taken into account in assessing whether funding is available if 7 years have passed since they were completed. Australian Apprenticeship Centres will be able to provide more specific information on which qualifications fall into this category.


Employer – ABC Bank Limited

New Employee Name: John Smith

Age: 28

Previous Qualifications: No previous qualifications

Currently enrolling: Certificate IV in Frontline Management

Funding Available? ABC Bank Limited is eligible to receive Government incentive for the up-skilling in this qualification.

Employer – ABC Bank Limited

New Employee Name: Jane Smith

Age: 28

Previous Qualifications: Diploma in Financial Services (completed 4 yrs ago)

Currently enrolling: Certificate IV in Frontline Management

Funding Available? ABC Bank Limited is not eligible to receive funding and will bear the costs involved with this qualification.

Employment Status

Candidates must be:

• Undertaking employment in an Australian Apprenticeship in a State or Territory of Australia, excluding Norfolk Island; and

• covered by a Training Contract signed by both the Australian Apprentice Centre and the employer that has been formally approved by a State Training Authority.

• undertaking an accredited program, which leads to a nationally recognised qualification, and includes both paid work and structured training.

The Apprenticeship Centre will also ask specific questions related to industry awards or registered Australian Workplace Agreements or formally approved contracts of employment.

Part-time employees may be eligible for traineeships, under certain circumstances. Check with an Australian Apprenticeship Centre with a specific case in mind.

How does the Payment cycle for the traineeship in frontline management work?

There is a three-month period from the date of the employee signs up onto the traineeship to the date of a claim form being generated by the Apprenticeship Centre and mailed to the employer.

It is the employer’s responsibility to ensure that this claim form is signed by both an employer representative as well as the trainee. This claim form is in turn mailed back to the Apprenticeship Centre and a first payment occurs within approximately 10 days of the return of this claim form.

There are time constraints on claiming Commonwealth funding – if claim forms are not returned within a certain timeframe funding might not be provided.


Joe works for Funtel, a telecommunications company in Bathurst. Joe is signed up on the 1st of August for a Certificate IV in Frontline Management. On the first of November, the Apprenticeship Centre generates and mails the claims form to Joe’s HR manager. Joe’s HR manager, Powan locates Joe to sign the claims form. Powan also signs the form and mails it back to The Apprenticeship Centre on the 15th of November. Powan has previously provided the Apprenticeship Centre with Funtel’s banking details.

By the 25th of November, Funtel receives an initial payment of ,500.

Upon completion of the traineeship, once the individual has completed the training and a final certificate has been issued by the RTO, the host organisation can apply for the final amount of government funding.

Example continued:

Joe completes his Certificate IV qualification in Frontline Management within 18 months. The Registered Training Organisation issues his certificate and academic record. Powan, Funtel’s HR manager posts an original or JP signed copy of this certificate to the Apprenticeship Centre, together with the Completion form which the Apprenticeship Centre provided.

These documents are scrutinised by the Department of Education and by the relevant Sate Training Authorities.

Approximately three months later, a further ,500 is deposited into Funtel’s bank account.

Note that completion procedures and time-frames vary from State to State.

Employer Checklist before implementing the traineeship in Frontline Management

The following is a checklist for use by HR professionals when considering the deployment of a traineeship in an organisation.

1. Is the training envisaged suitable for government funding? Frontline Management in certain States is suitable

2. Is the individual eligible for funding?

3. Which RTO (Registered Training Organisation) will you use? Or will training be conducted internally and with certification services provided by an RTO?

4. When will you do the training? Are you prepared to release your staff for the time it will take?

5. How much training will be conducted onsite? Offsite?

6. How will you find an appropriate apprenticeship centre to help you get this done?

Choosing a Registered Training Organisation

Registered Training Organisations (RTOs) are a key component of running a successful traineeship in Frontline Management. The RTO provides training and assessment services, and is also required to issue the nationally recognised qualification certificate.

When choosing an RTO

Be assertive in setting your expectations with RTO’s. It is important to ensure you have fully agreed to the manner in which the frontline management training will be delivered and managed to achieve your desired outcomes.

Some questions to ask RTOs include:

• How flexible are you in terms of delivery?

o Will you adjust the curriculum to make it suitable for our particular workplace?

o Can you work within the timeframes required by our organisation?

o Will you assist us with paperwork required by the apprenticeship centre?

o Will you customise your materials to make them specific to this workplace?

• What requirements do you have in terms of assessment?

o How user-friendly are your assessment tools?

o Will you tailor these to our business requirements?

o What turn-around times do you have for final assessments and certification?

Management Consultancy International consults to global organisations on their learning and development strategies and implements cost-effective frontline management programs that meet the needs of the participants as well as those of the organisation.

The Frontline Management Traineeship Process

Decide on suitability of traineeships for candidate and business

Approach Australian Apprenticeship centre and obtains information relating to funding levels for existing workers and new entrants

Select Registered Training Organisation to conduct training

Conduct information session on benefits of qualification and explain process

Hold a sign-up session with Australian Apprenticeship Centre and complete paperwork

Receive notification of approval of traineeship

Consult RTO on the creation of training plans which set out which core and elective units will be completed for the frontline management qualification and timeframe for completion

Induct trainees into the qualification and assessment requirements

Commence training according to agreed schedule

Receive initial claim forms, sign by candidate and employer, return to Australian Apprenticeship Centre

Initial funds received from Australian Apprenticeship centre

Monitor training and assessment, receive feedback from RTO

At six months, Apprenticeship Centre contacts workplace to monitor progress and provide support

Candidates complete all evidence and submit for final assessment by RTO

Receive certificate from RTO

Mail copy of certificate & other documentation to Australian Apprenticeship Centre

Final payment from Australian Apprenticeship Centre received

Hold internal graduation ceremony for closure of program

What Traineeship Documentation needs to be completed?

An agreement is signed by three parties at the commencement of a traineeship.

The Registered Training Organisation (RTO) signs the agreement to indicate that they are part of the process and they establish a training plan.

This training plan includes information about the units of competence that are selected for the relevant qualification and also provides details about the logistics of the training and how assessment will take place.

The employer is a party to the agreement and will comply with the requirements of delivering a traineeship in terms of the time provided to the trainee for training and assessment purposes.

The agreement that trainees are required to sign at the commencement of the traineeship include questions such as:

• Are you an Australian citizen?

• Do you have any prior qualifications?

• What is your date of birth?

• Where do you reside?

• How long have you been with this employer?

• What was the last year you attended school?

• What was your highest level of education prior to this qualification?

• Are you employed on a full-time or part-time basis?

• Do you have any disabilities?

• Are you an Aboriginal or a Torres Strait Islander?

The nominated Australian Apprenticeship Centre will provide the workplace with a checklist listing requirements for sign-ups.

Documents which need to be completed

It is a legal requirement for the following forms to be completed

• Training Contract

• Company ABN copy (confirms the details of the employer)

• Training Plan (RTO completes this section in consultation with the workplace)

Additionally, the Australian Apprenticeship Centre will provide brochures with information such as:

• Employer Information Quick reference guide for Apprentices / Trainees

• Information of possible benefits such as TOT incentives / Living Away from Home Allowance / Wage Support, etc

• Amendment form (relative to particular state of residence)

Employer Obligations

As an employer you have both legal and moral obligations when training your staff.

Legal obligations

All employers who provide training to their staff are obliged to:

• provide a healthy and safe training environment for all staff including those with special needs such as disabled employees

• ensure staff do not experience discrimination or harassment during the training

• provide adequate supervision and support during training

• have appropriate insurance policies for staff who undertake specialised training, such as heavy machinery training

• inform employees of their rights and responsibilities throughout the training

• commit resources necessary to complete agreed training such as safety equipment or computer hardware.

Employers must also observe their usual duties and statutory obligations, such as:

• workers’ compensation

• occupational health and safety

• duty to pay appropriate remuneration

• anti-discrimination policy implementation

• meeting privacy requirements

Good practice

There are obligations that are not enforced by law, but represent good workplace practice during training. These include:

• reporting and record keeping of training and its outcomes

• adequate resources to support the business while staff are absent for training

• management strategies to deal with issues associated with the training such as individual problems with the training or changing staff roles.

It is suggested that the workplace also set up an internal written training agreement to be signed by both the employer and the trainee. This will ensure that all parties understand what they can expect from one another.

A training agreement will provide you with a reference document from which you can address any concerns that might arise in relation to the training.

Tips for ensuring buy-in to the frontline management traineeship process

• Consult with all stakeholders and union representatives if appropriate

• Conduct transparent and comprehensive needs analysis with potential candidates. If possible, hold focus group sessions or interviews where participants are asked to contribute in an inclusive way to the design of the training

• Communicate the reasons for the training both in writing and face-to-face presentations

• Provide information about the qualification and what it pathways it can open up for the candidates

• Explain how training will be conducted

• Explain the assessment requirements emphasising that assessment is competence based. Competence based assessment is applied to candidates who are not solely tested on their theoretical knowledge but on their application of skills in the workplace

• Assist candidates filling out Apprenticeship forms and agreements

• Be available for questions

• At program launch, encourage senior management participation – this ensures that trainees are aware that the program is being monitored at a senior level

• Encourage ongoing feedback on the progress of the program and how it might be improved

• Be proactively involved in monitoring the progress of the training and gauging whether tangible improvements are being generated in the workplace

Candidates occasionally fear they are moving backward in their career when they see the word ‘apprentice’ on the Australian Apprenticeship Centre forms – it is important to point out that this is in name only

If candidates sense that an employer is merely attempting to provide the training for only financial reasons, there may be negative reactions from employees.

Concluding Comments

Traineeships in frontline management hold enormous benefits for the organisation and the candidate if applied in a way that makes business sense and that meets the learning and business improvement needs of the organisation.

Management Consultancy International’s award-winning frontline management program is flexible and brings about changes in behaviour and attitude for participants. The program is designed to create a forum for discussion and to ensure that the skills levels of managers are enhanced as they get to grips with useful and practical models that they can implement in ensuring that their teams perform to high levels.

Speak to one of our consultants on 1300768550 or email

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