I am a young adult that is a full time student and a part time worker. Until I got a call from Grants or loans representative that I thought was a real non-profit organization trying to help the ordinary people get grants and loans? What I found out after I gave them my personal information and $200.00 in cash from my own checking account? Soon after I did my homework, researched and found out that this company was nothing but a fraud. I felt useless and dumb. I tried to contact Grants or loans toll free number and discovered that the phone number given to me by the Grants loans association was disconnected and no longer exist. Not till then that I knew for sure that I was conned. Hey! Guys think before you use this company or else you are ditched.