Nothing in life is free, or so they say. But what if I told you that we know of 18 government programs where you really, truly can get free money (or services)? If you’re anything like me, I’ve probably piqued your interest.

Below are some of the ways you can get your hands on money that’s rightfully yours. We’ve also included was to find assistance and funds when you need it most.

1. Find Unclaimed Money

Ok, full disclosure: this isn’t really a way to find “free” money. However, it can help you collect on funds you didn’t even know you were missing.

Simply visit unclaimed.org and enter your information to search whether you have money waiting to be returned to you. The National Association of State Treasurers created the site to connect consumers with forgotten funds. These can include insurance reimbursements, apartment deposits, forgotten savings bonds, old utility payment overages or deposits, or paychecks you never cashed.

You can search by specifics like your full name and address. Or you can even just browse the results from your last name alone. (I found a few unclaimed health insurance reimbursements for my mom this way, to the total of $400!)

2. Find Unclaimed Pension Funds

Visit pbgc.gov to check your name and information against their database. There are currently almost 73,000 names on their unclaimed pensions list.

One of the biggest hurdles in buying a new home is likely the down payment required. Luckily, the government is willing to provide help if needed.

College is expensive. We all know that. In fact, the 2017-18 school year saw tuition averages of almost $35,000 for private colleges and just under $10,000 for state colleges. Ouch.

The average American spends over $300 a month for basic utilities. It’s easy to see how these bills can be difficult to manage for some–especially in the summer or winter months.