The United States government operates several payment programs that have connections to former presidents or policies from their administrations. This guide provides information about these programs so you can learn how they work and what they involve. Understanding these options starts with knowing that different programs serve different purposes—some provide direct payments, others offer tax benefits, and some address specific situations or groups of people.
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Former President Donald Trump's administration created, modified, or maintained various federal programs during 2017-2021. Some of these programs continue to operate today, while others have been changed or ended. The programs range from tax-related measures to specific relief funds created for particular circumstances. Knowing which programs exist and how they function helps you understand what information might be available to you.
Federal payment programs typically fall into categories: tax credits and deductions, direct payment programs, loan forgiveness or reduction programs, and disaster or emergency relief funds. Each category works differently and reaches different groups of people. Tax programs often work through your annual tax filing. Direct payment programs usually send money to bank accounts or addresses. Loan programs reduce what you owe. Relief programs respond to specific events or situations.
The key to understanding these programs is recognizing that most require you to meet certain conditions. You might need to have a certain income level, work in a particular industry, own a specific type of business, or live in a certain area. The rules differ widely depending on which program you're looking at. Government websites and official program documents provide the specific rules for each one.
Practical takeaway: Before exploring any specific program, identify which category matches your situation—are you looking for tax help, direct payments, loan assistance, or relief from a specific circumstance? This helps you focus on relevant programs rather than reviewing options that don't apply to your circumstances.
Tax credits and deductions represent one major category of federal payments that reach Americans. These programs work by reducing the amount of income tax you pay or increasing the refund you receive when you file your annual tax return. The difference between credits and deductions matters: a credit directly reduces your tax bill dollar-for-dollar, while a deduction reduces your taxable income, which then lowers your tax bill by a smaller amount depending on your tax rate.
The Child Tax Credit has been a significant program that was expanded during the Trump administration and has changed several times since then. In 2021-2022, eligible families received up to $3,600 per child under age 6 and $3,000 per child ages 6-17. This represented an increase from the previous $2,000 per child amount. The credit phases out at higher income levels. Families could receive these payments monthly or claim them when filing taxes. As of 2023-2024, the credit reverted to $2,000 per child.
Other tax-related programs include the Earned Income Tax Credit (EITC), which provides payments to working people with lower incomes, and the American Opportunity Tax Credit, which helps with education costs. The EITC reaches millions of Americans annually—in 2022, over 15 million tax filers claimed the credit, resulting in over $60 billion in payments. The credit amount depends on your income, filing status, and number of children.
To receive tax credits and deductions, you must file a tax return, even if you don't normally need to. Many people miss out on credits because they don't file. Tax filing is free through the IRS Free File program if your income is under certain limits (around $73,000 for most people in 2024). You can also work with a tax professional or use tax software. The IRS processes returns and sends payments through direct deposit, check, or refund transfer.
Understanding tax programs requires knowing that rules change regularly. Congress updates tax laws frequently, and rates, income limits, and credit amounts shift from year to year. What applied in one tax year may not apply in the next. The IRS website (irs.gov) provides current information about which credits you might explore, along with worksheets and forms needed to claim them.
Practical takeaway: If you have children, earn wages, or pay for education, review current tax credit information each year. Free tax filing resources can help you claim credits you're entitled to, potentially resulting in significant refunds or reduced tax bills. Don't assume you know what credits exist based on previous years—check IRS.gov for current information.
Beyond tax-related programs, the federal government has created direct payment programs that send money to people's bank accounts or as checks. These programs work differently than tax credits because they don't require a tax return and often send payments automatically if you meet the criteria. Understanding how direct payments work helps you recognize opportunities that may apply to your situation.
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During the COVID-19 pandemic, the federal government sent three rounds of stimulus payments (also called Economic Impact Payments) between 2020-2021. The first two rounds, authorized under the Trump administration, sent $1,200 and $600 to most adults. The third round, authorized under the Biden administration, sent $1,400. These payments went to individuals making under $75,000 ($150,000 for married couples). The IRS used tax return information, Social Security data, and other sources to identify and pay eligible people automatically.
The Paycheck Protection Program (PPP) represented another major direct payment effort, though it targeted small businesses rather than individuals. The program lent money to businesses with fewer than 500 employees to help pay salaries and certain expenses during COVID-19 closures. Many loans were forgiven, meaning businesses didn't have to repay them. Over 11.8 million loans totaling $807 billion were issued. The program has ended, but information remains available for business owners who participated.
The Restaurant Revitalization Fund provided grants (not loans) to restaurants and food businesses harmed by pandemic closures. Unlike PPP loans, these grants didn't require repayment if used for specific purposes: payroll, mortgage, rent, utilities, food costs, and similar operating expenses. The fund distributed over $28 billion to hundreds of thousands of food businesses. This program has also ended, but businesses that participated can find information about how funds should have been used and what documentation they need to keep.
Other direct payment or grant programs have targeted specific industries or situations—agricultural support, disaster relief for specific regions, and housing assistance. These programs typically have specific rules about who can receive payments and what the money can be used for. Once a program ends, you generally cannot apply for it, though you may be able to find records if you participated previously.
Practical takeaway: If you received stimulus payments or business support during 2020-2021, keep records of deposits and documentation. If you didn't receive payments you believed you were entitled to, the IRS provides tools to check stimulus payment status and claim unclaimed amounts on tax returns. For business owners, understand what grants or loans your business received and ensure you have proper records of how funds were used.
Federal loan programs represent another way government provides financial support, particularly in education and agriculture. Unlike grants or credits, loans must eventually be repaid, but forgiveness programs may eliminate the repayment obligation under certain circumstances. Understanding loan forgiveness options matters if you carry federal student loans or agricultural loans.
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The Public Service Loan Forgiveness (PSLF) program forgives federal student loans for people who work in government or nonprofit jobs and make 120 qualifying payments (roughly 10 years). This program existed before the Trump administration but saw changes in policy approach. Under the Trump administration, the program's rules were clarified and documented. In 2021-2023, the Biden administration expanded forgiveness through temporary waivers. Currently, over 400,000 borrowers have had loans forgiven through PSLF, totaling over $20 billion. To explore this, you need to work for a government agency or 501(c)(3) nonprofit organization and have federal student loans.
Income-Driven Repayment plans offer another form of loan forgiveness. These plans set your monthly payment at 10-25% of your discretionary income, and after 20-25 years of payments, remaining loan balances are forgiven. The calculation of discretionary income and forgiveness timelines varies by plan type. These options exist for federal student loan borrowers and don't require working in public service.
Agricultural loan programs, including those through the U.S. Department of Agriculture (USDA), provide loans and sometimes
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