Warning signs, source checks, and safe next steps when a funding offer feels suspicious.
Pause when someone promises certainty
Claims such as “everyone qualifies” or guaranteed approval are warning signs. Real programs have rules, limited funds, or an application and review process. Be cautious when someone contacts you unexpectedly and says the government selected you for money.
Watch for payment pressure
A demand for a gift card, cryptocurrency, wire transfer, or “processing fee” to release a supposed government grant is a serious red flag. Do not pay or share credentials while you investigate.
Verify the source yourself
Navigate to a government or sponsor website by typing a known official address. Check spelling and the full domain. Grants.gov is for federal funding opportunities and is not a personal bill-payment benefit finder. USAGov directs people to government benefit resources.
Protect accounts and personal data
Do not share bank passwords, FAFSA credentials, or one-time security codes. If you already shared them, contact the bank or account provider using its official contact channel and change affected credentials.
Report suspected fraud
Keep messages and payment records. Use the FTC’s official ReportFraud site to report scams and use the relevant government agency’s official reporting channel when a person claims to represent it.