Almost 45 million Americans have student loan debt.
And if you’re here, you’re probably one of them (don’t worry — I am, too).
Now that you have your education under your belt, you’re probably looking at those student loan bills wondering how you can get rid of them… and fast!
Which is why today’s post is all about creative ways to pay off student loans via side hustles.
Remember, any progress toward paying off student loans is good progress, so don’t lose heart if your efforts don’t seem like much at first.
Every little step you make is one step closer to reaching your goal!
So what are you waiting for? Dive into these side hustles to pay off student loans so that you can say goodbye to debt for good!
This post contains affiliate and referral links, which means that I will receive a percentage of any purchase made from these links, or a bonus for you signing up, at absolutely no cost to you! I only promote what I personally vouch for. Thank you for the support!
1. Complete Online Tasks and Surveys for Easy Money
People often overlook how these small tasks and surveys can add up big each month. Personally, I find this to be one of the easiest creative ways to pay off student loans because it’s a side hustle anyone with an internet connection can do.
I’ve seen people make anywhere from $100-$1,000+ a month just using the sites below!
(And those are legit numbers, btw.)
Personally, I bring in around $200-$300 since I work a full-time job and have to balance work with a side hustle, but when you think about it, that’s still a solid amount to put toward my student loans each month!
Here are the top sites I’d recommend using each month:
2. Sell Items You No Longer Use
Has it been awhile since you’ve cleaned out your closet? Do you have some old electronics lying around that you no longer use?
If so, there’s a variety of places you can list these items for cash!
This is another easy side hustle anyone can do to pay off student loans. Where people seem to struggle is they think, “I don’t have anything to sell.”
The reality is we all have something we could get rid of, but it can be difficult to part with possessions you’ve had for quite some time, or have a connection to.
Remember, our goal is to attack this student loan debt and get it paid off as quickly as possible, so always keep that at the forefront of your mind!
Here are a few places you can list your items:
My items take forever to sell or never do — why?
There’s a science behind listing your items on these platforms.
People are often looking for specifics, so details are extremely important!
Here are a few things you’ll want to include in each of your listings:
- Overall condition
- Any imperfections, damage, etc.
- If the item is brand new or used
- Size and/or measurement
- Brand name
- Model name
- Price (helps to know what the original retail value is as well so people know how much of a discount they are getting for purchasing your product)
Here’s an example from one of my Poshmark listings so that you get the idea:
3. Become a Freelancer
Whether you’re a writer, graphic designer, web developer, or anything in-between, there are plenty of websites out there where you can sign up to be a freelancer.
Now, freelancing is going to take a bit more work on your part to find clients and make money.
Before you begin, I recommend finding out how much time you have available to freelance and then figure out your hourly work rate. (Here’s a calculator to help!)
Next, you’ll want to put together a portfolio of any previous work you’ve done.
This is an important marketing tool to show potential clients your skills and abilities, so don’t skip it!
Alright, now it’s time to put yourself out there and start making some money.
If you don’t want to worry about having your own website, you could always take to social media to find clients.
There are also a ton of websites you can join to find work, including:
4. Be an Instacart Shopper, Rideshare Driver, or Food Deliverer
If you have a vehicle and want to control your own schedule, this could be a great side hustle to pay off student loans!
Instacart is one of the most popular grocery delivery services, and the app is incredibly easy to use. Simple sign up to be a shopper by clicking here, fill out your information, go through your background check, and then get your Instacart card.
As batches become available, you’ll see them in the Instacart shopper app.
Uber Eats, DoorDash, Grubhub, and Postmates are other food delivery services that have apps and allow you to pick up orders when it’s convenient for you.
And finally, if you enjoy chatting with strangers and like driving, you could always drive for Uber or Lyft!
5. Use Cash Back Apps + Take Advantage of Their Referral Bonuses
One of the most creative ways to pay off student loans goes beyond using cash back apps…it involves taking advantage of their referral bonuses as well.
Now, bonus structures change all the time, but here’s typically how it goes.
Let’s look at Rakuten.
You get your referral link from the app and share it with a friend. That friend then signs up with your link and makes a purchase (usually has to be around $25 minimum).
Once their purchase is verified, you both get a bonus!
Seriously though, it’s that simple.
You can share your referral links via text message, email, social media, blog, or any other outlet. If you made it a goal to refer four friends each month, that’s an extra $100 or so right there!
Ibotta is another app that offers bonuses when you get friends to sign up and redeem offers.
Simply navigate to the referral part of the app under the “Account” tab and you’ll find your referral code there.
And if you don’t have an account for either of these, make sure you get started by clicking the following links so that you can start taking advantage of cash back AND the referral bonuses:
Which of these creative ways to pay off student loans was your favorite? Have you tried a side hustle to get out of debt?
Let me know in the comments below!