There is a lot of talk these days about free government grants for debt riddled Americans. These grants are supposed to help people with personal debt, medical bills, and mortgages. While it is true that every year billions are set aside by the federal government for grants, perhaps paying off some debts with one might not be as easy as you would think.Government grants can be easily researched on www.grants.gov or www.cfda.gov. Running a simple keyword search on either web site will bring up lists of potential grant opportunities. But, if you read through the options, you will find out that there are few (if any at all) grants that will pay off credit cards or unsecured loans. Instead, the government focuses their financial benefits on mortgage/foreclosures, student loans, and tax credit/incentives. Any grants aimed at debt relief are only available to non-profit debt counseling companies who will teach consumers how to deal with debt. The only unsecured debt that can be paid off by grants are those incurred due to health costs, education, and business expenses.The thought process behind this is that when people are bogged down with debt, they spend less money. When less money is spent, the demand for goods and services drops. Over time, this will depress the economy. The government would much rather ensure that its citizens have enough money to spend, guaranteeing the economy will prosper.The type of grants available change often based upon government priorities. Check the government web sites often to see if any of the new grants applies to you.