The United States government is bankrupt many time over. It has no money and it owes more than 15,000,000,000,000 dollars. WE THE PEOPLE ARE ON THE HOOK FOR THAT MONEY!

Don’t look for help from Obama or the government because they have nothing. All they have the ability to do is to steal from future generations. YOU AND YOUR CHILDREN WILL BE RESPONSIBLE FOR THIS DEBT.

Start letting your representatives in Washington on both sides know that this has to stop. Get angry because the only way things are going to change is if the American people let their leaders know that enough is enough!

Our debt ceiling is a complete and total joke. Today, President Obama was going to request that it be raised by another 1.2 trillion dollars but he decided to delay that request until January 2012 since everyone in the government is on vacation (including him). I wish they would stay at home and never come back.

Didn’t we just go through all this a couple of months ago? Why even bother to debate things at this point? We all know that Congress will eventually agree the debt ceiling has to be raised (again) and they will the next time and the time after that too. It doesn’t matter whether Republicans or Democrats are in charge, it is all the same. They don’t care anymore so why bother pretending? We the people don’t care anymore either as we keep electing these jerks into office.

Seriously, lets just be done with it and raise the ceiling to $100 trillion. When that is reached we can raise it to $500 trillion. At some point the Chinese or some other country are going to own us anyway, if there is anything left to own.

The American people don’t really seem to want to cut spending, that is clear. Well, a small percentage does but the rest likes its freebies and entitlements. If we are ever going to change that mindset it probably won’t be in time anyway. All this bickering and pretending is a waste of time and just for show.

We Americans have fallen in love with debt. We fund our whole lives with it and give little thought to the consequences. If it gets too high we search for debt relief grants or file bankruptcy. No big deal. In ten years time or however many years it is, that bankruptcy won’t show up on our record anymore anyway. Totally worth the risk right? Most people seem to think so.

So, we may be borrowing from our kids and grand kids but who cares? We probably won’t be around when they start to understand what has happened and become really pissed. We will be dead and gone but at least we will have led a good life: that fancy house, car, and other stuff are just too tempting. We should be getting free healthcare too that they can pay for later on. It’s all about us and what we want and what we think we deserve.

So in the name of progress, just raise that debt ceiling to an amount where we don’t have to think about it anymore. I hate feeling guilty about stealing from the younger generations.

It’s amusing but really rather sad that people think they can get debt relief from the United States government. After all, our government is in more debt than ever before and I think it is clear that most people have no clue just how serious the problem really is.

To demonstrate the massive extent of our nation’s debt, I found this Reuters article that puts everything in plain English that we can understand:

Our debt right now is over 14 trillion dollars. How much is that really? Well you could put stacks of $1,000 bills together and it would reach 900 miles according to that article.

A stack of $1.00 bills in that amount would stretch all the way to the moon and back!

The real problem is that our government continues to borrow at a rate of 4 billion dollars every day. That equals about 167 million dollars every hour. How can we ever pay all that back?

Yet every day, hundreds if not thousands of people go online looking for government debt relief grants that they hope will help get them out of debt. The have no idea that they are looking for help from the biggest culprit of them all regarding irresponsible financial behavior: our U.S. government.

Whether you agree or disagree with what the politicians are doing in Washington, you should be aware and start to understand just how mammoth our countries debt problem is. No matter how bad you have been with debt and how irresponsible you have been, our elected government officials over the last 20 years have been worse.

Earlier this year President Obama was successful in pushing through new rules for credit card companies that would limit late fees, interest rate raises, and all sorts of other things. The thinking was that these new rules needed to be put in to protect consumers from out of control fees and charges that were hurting regular consumers. Before a credit card raises the interest rates, it has to notify you and jump through some new hoops which help protect every day people. Sounds good right?

But it isn’t necessarily working out that way as many of these rules and regulations are making it harder for poor people to get credit cards it is raising rates on all of us. Businesses are there to make money and that will never change. When the government steps in and imposes new rules and regulations on them they usually lose money. Most of the time they then have to charge the rest of us more to make up for that lost income. That is what is happening here as credit card interest rates have gone up for all of us when interest rates in general have gone down everywhere else.

Who loses when credit card interest rates go up? Poor people do and all the people that use credit cards because they can’t afford to pay with cash. Weren’t those the EXACT PEOPLE President Obama was trying to help?

The stimulus bill and economic bailout of 2009 has also made it harder for anyone to get a loan at the bank. All lending institutions, including credit card companies, have made it harder to get credit since this economic downturn and the stimulus bailout. Right now it is harder to borrow money than it has been in recent memory. Who does that hurt? It hurts poor people that need payday loans and other loans just to pay their rent or mortgage and get by to the next pay period.

With legitimate loans harder to get because of Obama’s new credit card rules, poor people HAVE to go to all the sleazy payday loan places that charge 300% to 800%. You know the ones I am talking about: they are in strip malls in the poorer parts of town and promise to give you money right away. They will give you money but it comes with an astronomically high interest rate that hurts poor people a lot more than the small charges they might incur from a legitimate bank.

While credit card interest rates are high at 13% or 14%, that is a lot better than being charged 400%! Obamas new credit card rules hurt poor people because they push them away from credit cards and banks and make them have no choice other than to borrow money from the payday loan sharks that charge 30 times that! Or they might waste their time searching online for things like debt relief grants that don’t even exist.

Government laws are often instituted with good intentions but they often end up hurting the very people they are trying to protect. This is just one example how government does not have the solution to all our problems and often does more damage than people think.

There are many people in debt right now and the economy is very bad. Jobs are hard to find and many people have had to go into debt just to stay in their homes and put food on the table. That may be why you and so many others are hoping to find help from the government in the form of debt relief grants or some other kind of monetary aid.

But the government does not have any grants to give to people just because they are in debt. Other websites may lead you to believe that you can just apply and get free money for being in debt but that is not true.

With the election of President Obama and all the news about the stimulus bill, even more people are trying to get free money from the government. You might have high credit card debt and want to find out if you can get a grant from the government to pay it off. But you can’t get that kind of help from Obama or the government.

The U.S. government still has all sorts of grants but you have to have a reason and a purpose to get them. There are small business grants, education grants, grants for artists, grants for disaster relief, and many other types of grants but you have to show how you will use the money and they have to be for a specific purpose. Again, just being in debt and needing money from the government is not a reason to get any kind of grant and there is no such thing as debt relief grants.

Knowing this, many online grant companies sprung up with offers to help you get a grant. Because government grants are so complicated and confusing for the average person, they could get away with charging money for something that you could find for free on the Internet. Now, some of these online grant companies were outright frauds and provided nothing while others were a little more legitimate and did give you some information and help.

The fact is that there is no government grant you can get just because you are in debt and need money. That’s not what grants are for even though some people may have been led to believe that. Grants are there to get money to institutions, businesses, colleges, and charities that need money for a specific prupose that will supposedly help society. That’s what the original goal was anyway.

If you want to find all the information you need about grants and find it for free you can go to the government’s website Grants.gov. There is no need to pay someone for this information as it is there for everyone and anyone who wants it. Now, you might be confused by all the choices, application processes, and all the other hoops that you need to jump through to apply for a grant. If you feel you need someone to help you out in that area, to guide you so to speak, then you might consider finding one of the legitimate grant companies that can walk you through.

If you want government debt relief, you might look into finding some of the government programs that are designed to help you understand debt, learn how to manage it, and point you to some debt counseling services. Debt relief grants from the government (and from Obama) that will magically eliminate your debt you won’t find. But you can find some programs that will educate you and start you on the road to better credit and less debt.

Unfortunately, reality is much different from that hope. While people continue to look for magical free money and free debt relief grants to get their lives turned around, they are finding that not much has changed at all. Well, the government has gotten bigger but it hasn’t gotten better.

The stimulus money was and is a mammoth outlay of cash but it didn’t go to people like you and me. It went to businesses, organizations, state and local governments, and other groups who knew how to apply for it. None of it went to ordinary folks as a hand out like some people hoped. Obama debt relief is there for some who know how to play the system but not for regular people.

There was some mortgage assistance for some families but not for others and again, you had to qualify for it and know how to get it. Many families found out they didn’t qualify for the mortgage help and where quite upset.

The moral of all this is that if you think you are going to be getting debt relief help from the government you might be waiting a very long time. The government is not going to help you in most cases, it is just going to feed off you to become bigger and more controlling. Government debt relief is a myth, plain and simple. There is only one way to become debt free and that is to spend less than you bring in. You have to learn to save and start paying down your debt one dollar at a time. The sooner you stop hoping to win the lottery or get help from the government, the sooner you will be on your way to financial freedom.

If you read it and are able to understand it, the story doesn’t have anything at all to do with Uncle Sam helping with your debt. All it suggests is that you take your tax refund (if you get one) and use it to pay of some of your debt. It then suggests that you reduce your number of  exemptions for this year and take that extra money you will get paid and also put that toward your debt. Wow! Brilliant….not!

Only an idiot will not realize that you aren’t  getting any help here from the government at all. And the one BIG THING WRONG WITH THIS STORY IS THAT PEOPLE IN DEBT GOT THERE BECAUSE THEY LIKE TO SPEND! Very few people in debt are able to take any extra money and save it or put it towards debt because they want that new LED flat screen TV or the newest model of an iPhone! People looking for debt relief grants and other forms of government help are surely not this stupid to have that article actually help them.

Is Stacy Johnson is a real reporter making a living by writing stories like this? Is everyone in America in the first grade? Are we all children and need help figuring out where to find our own money? If so, I need to get a new job as there are more opportunities to take advantage of the clueless than I thought.

President Obama was thought by many to have put forward some new programs that would help the poor and give financial aid to those that needed it. Although there was never any concrete evidence of this, many people voted for him in hopes this was true.

2010 brings a new year and new hope for many that are in debt and looking for relief. It is unfortunate though, that there are no new debt relief grants that have been been initiated this year. If you are in debt right now, there is nothing new for you in 2010 that wasn’t already there in 2009.

While people search for debt relief grants and information online, it is unknown to them that there is really no grant available from the government that is specifically given for the purpose of getting you out of debt. The government is not in the business of giving charity to people who have credit problems, at least it shouldn’t be.

Many people do, however, get grants for other purposes and then use them to pay off debt. Governement grants can be obtained for many different purposes and some people are able to qualify for a grant and then decide to use it to pay off their debt.

If you haven’t started already, there is no better time than now to start saving money and working towards being debt free. Just don’t count on the government to help you do it though.

The best place to start your search for government grants, whether they are school grants, medical grants, house grants, home improvement grants, back to school grants or any other type of grant, is at http://www.grants.gov/. You will see that your credit card is never asked for anywhere on that site.

The grant process is a complicated one and that is why there is so many companies advertising online. Some of the advertisers are legitimate and will charge you a fee for helping you apply for the grants you are interested in. Other advertisers are not legitimate and some are outright scams that will take your credit card information to send you a cheap $1.97 kit and then bill you $129.95, $79.95, $49.95 per month after that. Those big charges are in the fine print and most people don’t know about them when they order their “free” kit. Ever since we have had a new president it seems these “Obama grants” ads have come out everywhere.

Anything that has to do with the government seems to be extremely complicated and confusing to an average person. Applying for debt relief grants is a great example of how much paperwork and knowledge is required for something that should be much easier. It is safe to say that many of the people who really need grants are not equiped to understand how to apply for them. This is not saying that they are not smart people: it is just saying that government grants are involved and you need to do a lot of legwork to apply.

You can hire an outside company to help you with the grants applications and that is your choice. Once you get the grant though, it should be free and all you will have to do from that point is make sure you fulfill all the requirements of the grants. This may mean submitting futher paperwork to show that you are abiding by the grant rules and using the money in the way it was meant to be used.