No matter how prepared, anyone can be exposed to a financial crisis to which they don’t know how to respond, and not having the capacity to pay a debt can be stressful for anyone. You might be tempted to take out a small loan to help cover the costs, but this is not always your best option. Many people are not aware that they can apply for a personal grant to cover their unexpected debt and to get back on their feet.

With a 2016 personal grant, you will not have to repay the money you are given, making it easier to stay out of debt. You will, however, need to follow an effective plan so that you can optimize your odds of being accepted and receiving your much-needed funds. A proper strategy involves finding a relevant grant and carefully writing your application.