16 Apps That Pay Real Money via PayPal

best money making apps

Are you interested in downloading the best money making apps that pay you real money?

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone (in under 5 minutes).

The best part? A lot of these require no effort at all.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money?

Sure, another 100 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to make money online fast through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best money making apps that you can add to your side hustle arsenal.

How to Make Money with Apps

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Next, we’ll move on to other ways to earn with your mobile phone.

1. Refinance Your Student Loans

refinance student loans

No money-making app can help you make enough money as the benefits of refinancing your student loan debt. If you’re trying to pay back student loans right now, you should definitely look into refinancing options.

You should consider refinancing student loans if you find a lower interest rate and you want to merge some or all of your student loan payments into one.

Even if you don’t go with the options I’m suggesting, find out about refinancing — you can save a significant amount of money on interest over the course of your repayment period, and possibly even lower your payment. Especially when you’re a new grad, every penny counts!

Refinancing basically means that you work with a company to get a whole new loan and interest rate.

The company pays off your federal loans and then brings the loan over to itself, so you owe that company instead of the federal government or private company. This refinancing often gives you a lower rate and lower monthly payment, depending on the terms you agree on.

One of the fastest-growing companies that helps students with loan refinancing is Splash Financial — but you can see the top lenders below for yourself.

Our Top Picks for Student Loan Refinancing and Consolidation

Refinancing your student loans could save you money and it only takes a few minutes to get personalized quotes from lenders.

Variable APRLoan TypesEligible Loans
splash financial1.89% - 5.99%Variable & FixedPrivate & FederalVISIT LENDER
studentloansadvice2.25% - 6.88%Variable & FixedPrivate & FederalVISIT LENDER
lendkey1.91% - 5.25%Variable & FixedPrivate & FederalVISIT LENDER
1.99% - 5.64%Variable & FixedPrivate & FederalVISIT LENDER

2. Aspiration: Get Spotted $100 from This Bank for Free


Want to get spotted a free $100 without having to take out a personal loan or worse, payday loan?

Simply sign up for Aspiration, and the free banking app will make you $100 richer just for opening an Aspiration Spend and Save account.

Just spend at least $1,000 in cumulative transactions (utilities + groceries) within 60 days of opening an account and you’ll get that $100 in your account.

There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Now you can get some beer money at any time — for free!

You didn’t have to do anything, other than originally sign up for Aspiration.

It’s as simple as that.

Get spotted $100

Download: iOS | Android | Browser

3. Survey Junkie (Best Money Making App)

  • iPhone: 4.5 – ‎17,660+ reviews
  • Android: 4.3 – ‎8,220+ reviews
  • Payment methods: Paid in gift cards, or cash via PayPal
  • Quick summary: With Survey Junkie, you’ll complete easy tasks to earn cash and rewards. If you like taking fun and interesting surveys, this is a good app for you. You can earn points that can be easily be redeemed.

survey junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

best money making apps surveyjunkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

survey junkie

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

Sounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

Earn money with Survey Junkie

Download: iOS | Android | Browser

4. Swagbucks

  • iPhone: 4.4 – ‎13,674+ reviews
  • Android: 4.2 – ‎39,986+ reviews
  • Payment methods: Paid in gift cards, or cash via PayPal
  • Quick summary: With Swagbucks, you can put cash back in your wallet for answering fun surveys and polls. You can also get free gift cards and cash for shopping and discovering content online. Plus, they’ll even give you a $10 welcome bonus.


Swagbucks is another great survey app to make some extra money in your free time. As a new member, you can earn up to $35 per survey!

 They are known for giving out fun, top-paying surveys. And you can also get paid to play games and watch TV!

It’s similar to Survey Junkie, but there are also a few other ways you can earn money as a member (including a $10 bonus just for signing up).

swagbucks make $200 fast

Other ways you can make money with Swagbucks outside of surveys:

Swagbucks is conveniently offering a $10 bonus just for signing up through this link, so act fast.

Claim $10 signup bonus

Download: iOS | Android | Browser

5. InboxDollars

  • iPhone: 4.4 – ‎106,369+ reviews
  • Android:  4.2 – ‎94,251+ votes
  • Payment methods: Paid in gift cards or via check
  • Quick summary: With InboxDollars, you can earn cash for sharing your opinion and completing surveys. Join the millions of InboxDollars members who have earned over $50 million in cash to date.


The next thing you can do is sign up for InboxDollars which pays you, in cash, to watch fun videos & take surveys.

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $200/month.

More people should be doing this!

Claim $5 signup bonus

Download: iOS | Android | Browser

6. Mistplay


We all heard the old saying “time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 35,404 positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

Get paid to play games

Download: iOS | Android | Browser

Download: iOS | Android | Browser

7. Nielsen

nielsenBy using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

Make $50 with Nielsen

Download: iOS | Android | Browser

8. Get a Free Stock with Robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, this app lets you do everything for free and takes no fees — ever.


Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join.

Sign up for Robinhood now and Get a Free Stock

Claim free stock now

Download: iOS | Android | Browser

9. Capital One Shopping

capital one shopping

One of the best savings (and making money) apps is Capital One Shopping. It’s a shopping app that can help you make money in two ways: finding better deals and giving you rewards.

It can help you save money on products you buy daily. Once you install the app on your browser, it will show you lower prices on things during checkout.

The other way is by giving you rewards when you shop. Once you shop at stores they work with, you can get reward points and redeem them for gift cards. It’s that easy and there’s no catch (and 100% free). This free app is open to everyone, no Capital One account required.

Install the app

Download: iOS | Android | Browser

10. Cash In on the Food Delivery Boom

free money

Gig economy workers are the real winners in the COVID-19 era, as the demand for food delivery is booming. If you wanted to cash in and earn over $20 each day — here are the best food delivery apps that pay the most:

  1. DoorDash: DoorDash is the #1 food delivery app to make money delivering food. You can earn on your bike or even by walking and make up to $20 an hour.
  2. Instacart: If you have a car then you can use it to deliver groceries with Instacart. Just log into the app whenever you want to make extra cash and the orders will come. You can earn $20 an hour.
  3. Postmates: Postmates is another popular option to make money delivery groceries, takeout, or even alcohol. Plus, there is no dress code so you can wear whatever you want during deliveries.

If you do plan picking a delivery app to make extra cash in your free time, consider driving for multiple food delivery apps at the same time in order to be more profitable and make more money in between orders. If you haven’t yet, click here to sign up for InstacartDoorDash and Postmates!

11. Cash Bonuses Expiring Today

best student loan refinance reddit

If you’ve got some free time you can earn extra cash just for signing up for sites/apps. It’s a perfect way to make a good amount of extra cash whenever it’s convenient for you.

Interested? The next thing you can do is claim bonuses for quick wins, check out the best sign up bonuses below:

  • BlockFi: Newly-funded BlockFi Interest Accounts earn a bonus of $15-$250 for a limited time. Claim $250 bonus at BlockFi
  • Public: When you complete the signup process (it takes just a couple of minutes), you’ll get up to $5 of free stock in a company of your choice.
  • Personal Capital: Provides a free financial dashboard that features a net worth tracker (the easiest way to track your net worth), a retirement planner, budgeting tools, a fee analyzer, and more. When you join for free — you can refer friends and get $20 for each referral.
  • Nielsen: Earn free money (passive income) just by leaving an app installed on your phone. Join Nielsen & Get a Free Gift Card in One Week

A lot of people do this full time, so you can imagine that’s it definitely possible to do this on as a lucrative side gig and make extra money and be your own boss.

12. SoFi

sofi money

If you bank at a traditional brick-and-mortar bank, your money probably isn’t growing there.

That’s because traditional banks — with their thousands and thousands of physical locations — typically offer annual percentage yields (APYs) as low as 0.01% on their checking accounts. That’s pretty puny.

Online banks, on the other hand, can offer their customers higher interest rates, because they have less overhead. They have fewer employees and zero physical locations. They don’t have to pay for all those buildings — and all that air conditioning.

One of the highest interest rates we’ve found for an online checking account is from SoFi Money. That checking account earns you 0.25% APY, the percent in interest (including compound interest) you’ll earn on your money in a year.

Switch to SoFi Money—a cash management account that earns interest, has no account fees, and more and get a $100 bonus. There’s no catch when you switch your direct deposit to SoFi Money.

Open an Account

Download: iOS | Android | Browser

13. Fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.


Through their real estate investment products, investors earned an average of 8.7 – 12 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have over 200,000+ users, this app really pays you!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Earn passive income with Fundrise

Download: iOS | Android | Browser

14. Paribus

Do you want to get free refunds with Paribus?

No, hear me out. I bought something online from Target.  The price of the Keurig cups I purchased — dropped in price, after the fact.

✔️ I effortlessly got refunded without doing a thing.

I didn’t have to do anything, other than originally sign up for Paribus.

It’s as simple as that.

paribus app

This free app will scan your emails for any purchase receipts from dozens of online retailers. You don’t even have to know about the price drop in order to get your refund. It’s 100% free and will save you a lot of money. I pocketed around $50 in the first few weeks of signing upRemember, it’s 100% free!

Discover your savings

Download: iOS | Android | Browser

15. Ibotta

The app you should know about is Ibotta. This money-making app actually gives you cash back on things you buy every day, even booze!

You heard me right, you can make money for the booze you buy at groceries.

Ibotta is a fun rebate app that lets you get cash back on your purchases from major stores like Walmart, Target and almost every grocery store all over the country.

They are conveniently offering a $10 sign-up bonus after uploading your first receipt. So act fast.


How it works:

  1. Download the app and start a free account to browse deals in your area.
  2. Scan your first grocery receipt within a few days of downloading the app.
  3. Get paid and cash out cash via PayPal.

However, you do have to be 21 or older to take advantage of the booze deals.

Download Ibotta now

Download: iOS | Android | Browser

16. ZippyLoan


If you actually need money right now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the ZippyLoan site, if approved they send your loan application to one of many loan providers.

  • You review the loan details and e-sign if you like what you see.
  • No risk in checking what offers you’ll get.
  • You can borrow between $100 and $15,000 as soon as tomorrow.
  • Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get cash now

Download: iOS | Android | Browser

Once You Have $1,000 in Your Checking Account, Do These 5 Things

Once you built some cushion in your bank account — you’re on the right path. Money making apps can only get you so far, it’s time to think about longer-term financial goals.

What’s the next step you should take?

Here are ways to take your finances to the next level:

Leave Your Family $1M


Who doesn’t want to be a millionaire? While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance.

Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money? You don’t have to have money in your pockets to get a free quote from Bestow.

If you’re interested, I recommend you sign up for more information from Bestow by clicking here.


Build an Emergency Fund


Having money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money.

Start with a high-yield savings account like CIT Bank that offers a Savings Builder that will pay a great APY and still give you instant access to your money in case of an emergency. You can open it with $100 and deposit $100 a month to help you get to $1,000 in less than a year.


Get Spotted $100 for Free


Need a better checking account that’ll spot you a $100 for free?

Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card.

There’s no catch.

This bank account is legit and only takes two minutes to sign up for an account.


Get Free Stocks Instantly

While you’re at it, why not increase your net worth with a free stock? Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).


Start Building Passive Income


Fundrise is definitely one of the best passive income apps. This app was originally an iOS app and it has just become available on Android.

By downloading this app, you can start investing in real estate all around the US in as little as 30 minutes and it’s super easy to get started. Then you can literally beat the stock market year after year and start making money in your sleep

If you want to earn the big bucks then you can learn how to get started by getting more information from Fundrise here.


There Will Always Be Money Making Apps that Pay You

There you have it. If you’ve finished the list, you’ve just made at least $100 through these apps that pay you real money. We wish you the best of luck on your journey on how to make money!

Just remember, with most of these services, consistency is key, so be diligent about completing your daily check-in and continue to use the service if you want to earn more lucrative amounts of cash or gift cards.

It’s always better to use these opportunities as additional cash for smaller purchases, rather than to rely on them for a steady income.

If you didn’t claim your $5-10 cash bonuses already, don’t forget to check out the best signup bonuses below:

To chalk it up, what are the best ways to make money right away? While a search online when you’re in need of some fast cash will produce millions of results, not all will be legitimate.

It’s up to you to filter through the so-called noise.

These strategies to make $20 fast will help put you in the black, even if it’s in a very small way. Once you are, resume planning and focusing on the bigger picture.

Best Private Student Loans for 2021

best private student loans reddit

Looking for the best private student loans? Reddit

Funding your education using student loans can be pretty useful. Here is an insightful guide on all you need to know about the best private student loans of 2021.

You have deftly tackled the nerve-wracking pressure of getting into the college or university of your dreams. You have the scores, a host of co-curricular activities to show your mettle, and the only thing left to do is secure a student loan to fund your education.

Quite a significant number of students are in your shoes right now. In fact, studies reveal that a whopping 71% students course through college with the help of student loans every year on an average. Not that startling, if you think about the high cost of education at the leading higher education institutions all across the world.

Since you are at the threshold of applying for one, it is best to proceed with all the knowledge that you can get your hands on regarding student loans. Presented here is a quick overview of the crucial facts and factors pertaining to student loans along with 6 best private student loan options you can explore.

The Difference Between Federal and Private Student Loans

Did you know the likes of Barack Obama and plenty of Hollywood actors (including Jane Lynch and Finesse Mitchell) all had to use student loans, whether federal or private? They couldn’t even escape the high cost of college, which is usually over $30,000 in the United States for a 4-year public college.

Before we apply for student loans, here are the basics of federal and private student loans.

Federal and Private Student Loans – Know the Difference:

Federal Student Loans

A federal loan stands for a loan that you borrow from the government. You are basically using the taxpayers’ money to get your college or university degree, hence repaying federal loans come with a different level of responsibility altogether.

However, since interest rates are comparatively lower in federal loans and one does not require having a great credit score, most students take a lax approach when the time comes for repayment. You will also find options for paying as per your level of income or alternative repayment options if you apply for federal loans.

Private Student Loans

In case you opt for a private student loan, a credit union, bank or online lender provides you with the money that you need to pay your way through getting a higher education degree. They can have varying rates of interest (that is usually dependent on the loan provider and the type of interest you choose) and have comparatively rigid repayment options.

However, since the rules regarding what you do with the loan money are quite lax in case of private loans, you can come up with ingenious tricks to pay it off way before it starts accumulating interest.

Top 6 Best Private Student Loan Options

Prior to approaching a lender for a private student loan, you must know that you will need to have to meet a number of criteria for your loan to be approved.

Carefully consider if you have a good credit score (or having a creditworthy co-signer will also do the trick) and have read their terms and conditions before you apply.

Here are the six best private student loans that will help you pay off the high tuition fees for college or university.

In a hurry? You can easily find the best private student loans with Credible. Credible is an online marketplace that provides borrowers with competitive, personalized loan offers from multiple, vetted lenders in real-time.

But if you want to do your research — here are the best private student loans we’ve found.

 1. Best Overall: LendKey

best private student loans reddit

LendKey offers repayments terms ranging from five to 20 years.  They have numerous excellent 5-star reviews on TrustPilot and the process is easy to complete.

Borrowers can include parents of students, parents of graduates and degree holders as well as current undergrad and graduate students. To be eligible, U.S. citizens and permanent residents must have proof of citizenship or residence permit as well as proof of income. Potential borrowers can check their eligibility online and then receive offers from LendKey’s networks of community lenders.

The minimum loan amount starts at $7,500 and goes up to $250,000, with rates as low as 3.85% or 4.86% depending on if you go with a variable or fixed APR.

Don’t meet the requirements or want to qualify for a lower interest rate?

LendKey allows for borrowers to add a cosigner to the loan to help borrowers meet eligibility and get the interest rate that works best for them. This isn’t the only benefit to considering a LendKey loan, they also offer unemployment protection. If you lose your job or have just finished school, loan payments are placed on temporary hold.


Visit LendKey

Or, click here to learn more about Private Student Loans with LendKey.

2. Funding U

Funding U, also known as Funding University, has been around since 2016. This is a company that offers student loans to students without credit or a co-signer at eligible four-year colleges.

Funding U doesn’t fund you based on your credit score, but your grades in school and projected earnings after graduation. If you are a junior or senior in college, you can qualify for a Funding U loan. However, if you are a freshman or sophomore, the approval process is more strict.

It’s a smart option for students because:

  • You don’t need a co-signer or credit history to get a loan.
  • You can see if you’ll qualify and what rate you’ll get without a hard credit check.
  • DACA students with a work-eligible Social Security number can qualify.

If you wanted to apply you can see what rate you’ll get and it’s a soft credit check. The loan term is 10 years and loan amounts up to $10,000 and the range of interest rates is in line with other private student lenders.

funding u

Visit Funding U

Or, click here to learn more about Private Student Loans with Funding U.

3. Citizens Bank

Looking to make financing your education easy and affordable? You can apply for a private student loan from Citizens Bank today if you have a good or excellent credit score.

  • Loan repayment terms of 5, 10 or 15 years
  • 25% reduction in interest rates if you go for auto-repaying options while still in college or university
  • 25% reduction in interest rates for existing Citizens bank account holders
  • Fixed APR of 4.72% – 11.90%
  • Variable APR of 3.36& – 11.87%
  • No application, prepayment, disbursement or origination fees required
  • Good or excellent credit scores needed

Visit Citizens

Or, click here to learn more about Private Student Loans with Citizens.

4. College Ave

At College Ave Student loans you can apply in just 3 minutes and get an instant decision. College Ave offers 4 flexible repayment options to help you make paying your student loans off easier.
Special features include:  Repayment Options, US Based Customer Service, Easy Mobile Application.
  • Loan term length of 8, 10, 12 or 15 years
  • No application, origination or prepayment fees required
  • 25% reduction in the interest rate for auto-repaying methods while in college or university
  • Fixed APR of 4.72% – 12.94%
  • Variable APR of 3.96% – 12.94%
  • Good or excellent credit score needed (get a co-signer if you have a bad or no credit score)

Visit College Ave

Or, click here to learn more about Private Student Loans with College Ave Student Loans.

5. Sallie Mae

Sallie Mae offers a variety of student loans for college and more. Apply for the Sallie Mae private student loan that fits your needs today and you’ll be in great hands.

  • Covers up to 100% of education costs (including college-approved expenses)
  • Offers interest rate reductions (subject to terms and conditions)
  • 15-minute response time after applying
  • No origination, prepayment or application fees
  • Fixed APR of 4.74% – 11.35%
  • Variable APR of 3.37% – 10.75%
  • Good or excellent credit score required (you can opt for a co-signer in case you do not have a credit score)

Visit Sallie Mae

Or, click here to learn more about Private Student Loans with Sallie Mae.

6. SunTrust

SunTrust offers several private student loan options to fill the gap when federal loans, scholarships & grants aren’t enough to cover education expenses.

  • Re-financing options of existing private student loans to the new student loan module
  • Loan terms to choose from 7, 10 or 15 years
  • Fixed APR of 4.30% – 11.05%
  • Variable APR of 3.62% – 10.67%
  • 50% reduction in interest rate if you choose the auto-payment option when in college or university
  • No application or origination fee required
  • Loan repaying cluster options (principal and interest, partial interest, interest-only, deferred payment) available when in college or university
  • Good or excellent credit score needed (opt for a co-signer if you do not have a credit score)

Visit SunTrust

Or, click here to learn more about Private Student Loans with SunTrust.

7. Discover

Learn about student loans for college from #6 on our top picks for private student loan options. Discover Student Loans can help you find the best private student loan to fit your needs.

  • Covers up to 100% of your education costs (including college-approved estimations of tuition and additional resources)
  • Offers an interest-only repayment discount
  • Includes 1% cash reward as an acknowledgment for good grades
  • A simplified application process that provides the promptest feedback
  • Fixed APR of 4.74% – 12.99%
  • Variable APR of 3.37% – 11.87%
  • No origination or prepayment fees needed
  • A good or excellent credit score is needed (you can get a creditworthy co-signer in case you have a bad or no credit score to show)

Visit Discover

Or, click here to learn more about Private Student Loans with Discover.

Are There More Private Student Loan Options?

This list is not a comprehensive one by any means. There are definitely many more student loan options available to you — both private and federal — that we encourage you to research and consider as well.

The loans listed here are some of the best in regards to benefits and future opportunities, such as the interest rate reduction for meeting various requirements.

Your Best Option for Private Student Loans

You can benefit from using our top pick, LendKey, to help you pick the best private student loan with the lowest rates:


Visit LendKey

When choosing a loan, remember to consider variable versus fixed rates and also the repayment plans offered. You might not have the resources to repay a loan immediately after you graduate and enter the workforce. In that case, deferment options and grace periods are highly beneficial.

Whether it a public, non-profit private or for-profit private higher education institution, you can ease a considerable portion of the financial burden if you choose to go for private student loans. It is a common case for almost every student aspiring for higher education. Consider all the factors carefully before you apply for one, read our student loans 101 guide, and make sure that you are wise with spending the money.

With oodles of confidence, a fiery passion for academics and all-around know-how of the workings of the world, you will surely be able to repay your student debt once you start earning a living after graduation. Good luck in securing a suitable private student loan to give wings to your scholastic aspirations!

Any questions on any of these best private student loans for 2021? Sound off below!

Best Lenders to Refinance Student Loans

best student loan refinance reddit

Looking for the best student loan refinance, Reddit? The choice to refinance your student loans is a great way to tackle college debt and lower your monthly payments. Learn about the best banks to refinance and consolidate student loans and start saving!

Our Top Picks for Student Loan Refinancing and Consolidation

Variable APRLoan TypesEligible Loans
splash financial1.89% - 5.99%Variable & FixedPrivate & FederalVISIT LENDER
studentloansadvice2.25% - 6.88%Variable & FixedPrivate & FederalVISIT LENDER
lendkey1.91% - 5.25%Variable & FixedPrivate & FederalVISIT LENDER
1.99% - 5.64%Variable & FixedPrivate & FederalVISIT LENDER

Making any decision that has to do with your finances is a big step and an important task. Finances are tricky, and it’s crucial to approach it in the right way and weigh your options.

According to CNN, student loan debt in the United States has recently reached $1.5 trillion, which means there are a fair amount of college graduates still in debt. While no one likes to be in debt, lots of people are constantly looking for new ways to approach paying off their student loans in an efficient way. Refinancing your student loans is an option when trying to save money in the long run, so it’s definitely something to consider.

When you start to think about refinancing your student loans you may be on the fence about it because it may or may not be the best step for you. You’ll want to way the pros and cons of refinancing to decide what is the right decision for you and your finances.

Before making the decision you may want to think about a few things like, how much money you owe, what you can afford, and if there has been a change in your credit score or salary recently.

If you have done your research and are ready to refinance then you’ll benefit from learning about our top 5 picks for refinancing student loans.

Who’s eligible?

Each lender has its own qualifications but you’ll want to demonstrate that you have a solid history of repaying back debt, have a decent credit score, and have a stable income.

Even if you aren’t making a six figures salary, you should look into if you’re eligible to refinance. The average recent grad who has refinanced their student loans had an average income of $54,000 and a student loan balance of $49,320, according to Credible.

Credible knows this space well and offers student loan refinancing and private student loans. After providing some quick information to Credible, they will find you the best rate from up to 10 lenders. Credible will even give you $200 if you find a better rate somewhere else.

Refinance Student Loans with Credible

  • Compare prequalified refinancing rates from up to 10 lenders
  • Credible users save an average of $18,000
  • Fill out a simple 2-minute form to compare rates
  • Checking your rates won’t affect your credit score

Refinance with Credible

So if even if you do not think you are eligible for student loan refinancing, it doesn’t hurt to check and it doesn’t hurt your credit score.

What can refinancing do for you?

Refinancing can sound confusing, but it isn’t. Searching for “best student loan refinance reddit” comes up with a ton of results but the goal of your refinancing your student loans is to pay less on your loans over the long term.

Refinancing your federal student loans or private student loans can get you a lower rate and possibly favorable repayment terms.

According to CNN, On average, borrowers who refinanced reduced their rate by 1.7 percentage points, cut their term by five years and can expect to save $18,668 over the life of the loan, according to the report.

Where to refinance?

The lenders in the table below are our picks for the best banks to refinance student loans and consolidate student loans and start saving more money in 2021! These lenders don’t charge origination fees or closing fees and provide the best rates.

Variable APRLoan TypesEligible Loans
splash financial1.89% - 5.99%Variable & FixedPrivate & FederalVISIT LENDER
studentloansadvice2.25% - 6.88%Variable & FixedPrivate & FederalVISIT LENDER
lendkey1.91% - 5.25%Variable & FixedPrivate & FederalVISIT LENDER
1.99% - 5.64%Variable & FixedPrivate & FederalVISIT LENDER

Benefits from these student loan refinancing banks

Rest assured, when you choose to refinance your student loans with a new company, they may have a set of benefits for their customers. Some refinancing companies have options to make bi-weekly payments to help with interest or to even have the flexibility to skip a payment during a difficult month. It is good to research your potential companies before choosing who to refinance with and base your choices on the benefits they give.

The choice to refinance your student loans can be a great way to tackle college debt and lower your monthly payments. Everyone wants to save money, and refinancing could be the option for you to pay off your debt sooner and possibly build up your savings a little bit more. While refinancing your loans may not be the best option for everybody, weighing your options will help decide if refinancing might be good for you and your bank account. With lower interest rates, refinancing may help you save a lot of money on your overall student loan debt. best student loan refinance reddit

Other resources to help pay down your student loans

If you are looking for ways to pay off your student loans here are some helpful resources:

Have any questions about the best banks to refinance student loans? Leave us a comment below. best student loan refinance reddit

12 Simple Ways to Make $20 Right Now

best money making apps

Need to make 20 dollars fast?

These are a few of the best ways to make extra money so that you can earn $20 fast online.

This is a list that will help you make extra cash without much effort.

I don’t know why you need an extra $20 dollars right, but heck we all could use an extra 20 bucks.

Ready to see the list of how to make 20 dollars fast?

Let’s get into it — here are the top ways to make 20 dollars fast in 2021.

12 Simple Ways to Get $20 Free Now

In case you wanted to get started with some quick wins — here are some legitimate websites that’ll pay you just for signing up:

Next, we’ll move on to other ways to earn your $20.00 quickly.

If you’re looking for a free way to make $20 using online tools and apps – here it is. There are a plethora of different mobile apps and websites that can net you $20 instantly.

1) Make $20 Fast Taking Surveys at Survey Junkie

Survey Junkie has over 11 million members and pays them for taking surveys, trying out new products, and listening to music.

Joining Survey Junkie in order to score $20 fast is a no-brainer! Once you join, simply stick to the higher-paying surveys so you can score $20 today.

You only need 1,000 points to cash out which you can accumulate in 30 minutes to an hour. Oh, and Survey Junkie has over 11,036 positive reviews on TrustPilot.

There are so many short-form and long-form surveys to choose from, and you can get paid through PayPal or gift cards.

How to make $20 fast? Signup for Survey Junkie, take high-paying surveys and earn $20 fast. You can also get a registration bonus here.

Earn Per Activity Payment Method Min To
Cash Out
Next Steps
$1 – $50 PayPal or Gift Cards $10  


Survey Junkie is a great way to make $20 if you need it by today or tomorrow.

2) Collect a $10 Sign Up Bonus at Swagbucks

If you want another quick way to make $20 then give Swagbucks a shot. You’d be silly not too as the site has already paid out $441.9 million to its users.

Plus, you won’t be limited to only surveys with this rewards site — in fact, you can earn $20 fast simply by watching entertaining videos, searching the web, and even playing games. You earn ‘points’ that you can redeem for gift cards or for cash through PayPal.

They have an excellent rating on TrustPilot with over 14,144 reviews!

Simply sign up and score a $10 signup bonus then start watching videos or playing games and earn your other $10 to get your $20 fast today. Don’t believe me? A Huffington Post report says users are earning $600 per month with this site.

Earn Per Activity Payment Method Min To
Cash Out
Next Steps
$.50-$2 PayPal or Gift Cards $3  


To chalk it up, Swagbucks is one fun way to score $20 fast today.

3) Get $20 Right Now at ZippyLoan

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

ZippyLoan offers you online personal loans in about 5 minutes on their completely secure website.

This website connects you to lenders which means that waiting times are minimized unlike at a bank. The money is usually deposited in your account the next day you apply for a loan.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $20 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.


4) Download the Nielsen Mobile App and Collect $50

One of my favorite apps that not many people know about is Nielsen. If you have a cell phone or laptop then you can earn $50 fast right now. All you have to do is register for free (they’ll track your browser usage) and you’re set to earn $50 per year passively.

It’s really noninvasive, requires basically no storage, and won’t impact your device performance. After you installed the app, just use the internet as you usually would (but now you’re getting paid — cha-ching!).

Earning Potential Payment Method Min To
Cash Out
Next Steps
$50+ PayPal or Gift Cards None  


Nielsen gives out $10,000 each month so you can win real money for about 60 seconds of work. A no brainer.

5) Make $20 Fast for Playing Games with Mistplay

We all heard the old saying “time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid $20 fast for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 131,404+ positive reviews in the Google Play store.

Earning Potential Payment Method Min To
Cash Out
Next Steps
$50 Per Month Visa Gift Card or Gift Cards 1,500 Points or $5  


If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

6) Make $20 Fast Searching the Web with InboxDollars

InboxDollars is a market research company that’ll pay you $20 fast to search the web (using their search engine) instead of using Google or Bing. So if you search the web for a few days and other tasks like playing games, watching videos, or taking online polls — you can make extra money online.

While you won’t get rich — you can surely make $20 fast online by using the site or app.

Earning Potential Payment Method Min To
Cash Out
Next Steps
$0.15 for Every 29 Qualified Search Check or Gift Cards $30  


Making 20 dollars fast is no longer a mystery with the help of InboxDollars, and signing up will net you a $5.00 instant bonus.

7) Earn $20 Fast Playing Solitaire Cube (iOS)

Would you be interested in competing in cash tournaments and head-to-head online (on your phone) to win your $20 fast but don’t know where to get started?

Solitaire Cube (iOS) can help you get your feet wet & if you’re already glued to your phone, why not earn some little side money.

Here, it is basically regular Solitaire but faster and you are playing against someone else for cash.

So it’s pretty legit — you will be matched up with people of your same skillset so it’s really fair. I deposited $10 the other day and I already won $125!

Earning Potential Payment Method Min To
Cash Out
Next Steps
Uncapped PayPal or Direct Deposit $0  


I suggest downloading Solitaire Cube (iOS only) as it has a proven track record (over 55K positive reviews) for being a diverse approach for earning your $20 fast.

8) Use Gig Apps to Score Cash Fast

Gig economy workers are the real winners in the COVID-19 era, as the demand for food delivery is booming. If you wanted to cash in and earn over $20 each day — here are the best food delivery apps that pay the most:

  1. DoorDash: DoorDash is the #1 food delivery app to make money delivering food. You can earn on your bike or even by walking and make up to $20 an hour.
  2. Instacart: If you have a car then you can use it to deliver groceries with Instacart. Just log into the app whenever you want to make extra cash and the orders will come. You can earn $20 an hour.
  3. Postmates: Postmates is another popular option to make money delivery groceries, takeout, or even alcohol. Plus, there is no dress code so you can wear whatever you want during deliveries.

If you do plan picking a delivery app to make extra cash in your free time, consider driving for multiple food delivery apps at the same time in order to be more profitable and make more money in between orders. If you haven’t yet, click here to sign up for Instacart, DoorDash and Postmates!

9) Cut $20 From Your Monthly Bills

Want another quick way to make $20 fast simply by lowering your bills?

If you could use creative ways to save money in your life right now then you should consider using apps that’ll help you legit lower your bills.

That might sound too good to be true but you can literally pay less on your cell phone, cable, security or other bills.

These companies will negotiate the lowest possible rate for you – no headaches, just savings! They even get you refunds when your internet goes down!

  1. Truebill is your automated financial assistant, putting you back in control of your money. Review spend, manage subscriptions, lower bills, and track your budgets all in one place. The #1 money saving app to lower your bills.
  2. Trim negotiate your bills, give back 4% interest on savings, cancel old subscriptions, and more.
  3. Billshark gets you the best rate on your bills and you can save up to $3,000/yr. No fees unless lowered and they have a  90% success saving rate.

If you love saving money then use these budgeting ideas to generate ideas about the best ways to save money in your day-to-day life.

10) Use Game Apps to Win Real Money

There are games that pay you to play –  Yes, I’m serious.

These 3 apps will PAY YOU to play games on your mobile device.

  1. Mistplay (Android) – If you have an android device, you can download this app and start getting cash rewards for playing new games.
  2. Solitaire Cube (iOS) – Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing solitaire with cash rewards.
  3. Lucktastic (Android) – This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

11) Get Free Money

Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account. This bank account is legit and only takes two minutes to sign up for an account.


12) Get a Free Stock from Robinhood

Robinhood: This investing app lets you trade stocks and do everything for free and takes no fees — ever. Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

Next Option: Sign Up Freebies to Earn $20 Fast

Your next bet is to get some quick wins through freebies and sign up bonuses.

The three survey sites below are legitimate and you can join from your smartphone.

I’m not the biggest fan of survey sites, but it’s worth it just to claim a quick sign up bonus.

Once you’re in and a paid survey is ready for you to take, you’ll get a notification.

Sign up for all 3 below (will open in new tabs) and you’ll get paid up to $50/per survey.

Need More Ways to Make $20 Fast?

A ton of people are searching online for the best ways to make 20 dollars fast.

Well, look no further, because if you wanted more ways to make money online besides these free money making ideas, there are more apps that pay you real money.

If you didn’t claim your $5 bonuses already, don’t forget to check out the best sign up bonuses below:

  • SurveyJunkie: Make up to $50 per survey in your spare time from home to take online surveys, participating in Focus Groups and trying new products. Join SurveyJunkie Now
  • Swagbucks: Watch videos, take surveys, shop and more to earn real money. Join Swagbucks Now to Get $10 Free
  • InboxDollars: Has so far paid its members over $40 Million. Watch videos, take surveys, shop and more. Join InboxDollars Now and Get Free $10
  • Branded Surveys: Is known as one of the #1 paid survey site. Take paid surveys anytime and anywhere via PC, Laptop, Tablet, Cell Phone or Mobile App. Join Branded Surveys Now

Next, you can take a look at the best money making apps where you can earn money (even during COVID-19).

15 Creative Ways To Pay Off Student Loans Faster Than Ever

pay off student loans fast

Once you have graduated, the joy of having finally finished school will be suppressed by the fact that you need to start paying your student loans.

According to data released recently, over 44 million Americans collectively hold nearly $1.5 trillion in student debt.

Don’t worry, this guide will help you find creative ways that can help you begin to pay off your debts before you get too comfortable in your post-education freedom.

15 Crazy Easy Ways to Pay Off Your Student Loans Faster Than Ever!

Student loans have no prepayment penalty, which means you can pay them off anytime. Why would you pay more money than you have to?

1. Make more than the minimum payment

The best way to pay your debt in five years or less is always to pay more than the minimum. Even if you do not have a stable job yet, an overpayment of as little as $10 could get you off debt faster. It shortens the term of the loan and the interests you have to pay.

2. Start paying while in school

You do not have to wait until you are done with school. If you can find some work with still studying, try paying your debt early. Your repayment period will be shorter. This is particularly helpful if you have unsubsidized loans that still charge interest even if you are in school.

3. Try renting your vehicle

If you have a car, you can make some extra cash by renting your vehicle to complete strangers. Companies like Turo let you do this and you can make some pretty good money doing so! You can charge whatever rate you want that will help you have some pocket money and still pay off your student loans faster than ever. It is a rewarding business and really clever side hustle.

4. Sell photos

Today, more and more people are looking for professional photographers. Some people are also willing to buy pictures of nature’s beauty online. You can take such pictures and sell them on photography stock websites. These fees may be small, but they add up.

5. Join mock juries

Unless you work in the courtroom, most people do not want to find themselves in the courtroom. However mock juries pay well, and they are fun to participate in. You can easily earn up to $200 per day.

6. Rent your friendship

Are you a fun person to be with? Well, there are websites where people are looking to pay for companionship. The best part is that you choose how much you want to charge per hour.

7. Try dog sitting

Pet sitting is a lucrative job today. People are looking for anyone to be their pet sitter. You are guaranteed to get a regular income to help pay off your student loans. You can even get paid for dog walking with companies like Rover.

8. Get paid to test apps

All the hours you spend playing video games can be worth it. You can now get paid to test apps and are paid around $10 per completed review. And it does add up.

9. Teach English

Do you know any foreign languages? If so, you can teach them to people who need to learn. Even better, you can teach English to people who want to come to the US and live here. You can easily sign up to become an English teacher at sites like VIPKid.

10. Be an online tutor

As a graduate, you have probably seen it all, essays, homework, assignments, dissertations, etc. if you are willing to teach and help other students improve their grades you can join this site and write my assignments in Canada.

11. Choose companies that offer graduate benefits

Some companies help you pay off your debts easily by offering some benefits that can help you pay off your debts. They will help you free up some time for other things.

12. Be a designer

Today, people love great graffiti on their clothes. If you have funny or inspiring quotes, you can buy t-shirts and print these messages on them. Sell them for a profit, and you can earn a lot.

13. Be a dating coach

Love is hard to find. Therefore people are willing to spend money to be helped to maintain their relationships.

14. Transcription

This is a great job that you can do at home. Most companies will pay you good money per hour of audio. It is a great way to earn some extra cash.

15. Be a clown

Clowns earn a good amount of money per hour to entertain children on special occasions. It is a great job because you do not need to have a resume to be one.

10 Money Saving Tricks for Students

how to save money in college

Getting a degree in today’s world is expensive. The student loan crisis results from soaring tuitions to elevated expenses of student’s accommodation and food, the entire journey of getting a degree is filled with unavoidable expenses.

Your parents can only help so much with college expenses.  A recent report notes that most parents who have contributed to their child’s tuition and room and board only saved less than $10,000. That suggests there’s not much cash, if any, leftover for living expenses while their student is on campus. With the average cost of tuition and fees for the 2019–2020 school year was $41,426 at private colleges, $11,260 for state residents at public colleges and $27,120 for out-of-state students at state schools, according to data reported to U.S. News in an annual survey.

While you cannot do anything about these major expenses, you can still act smart and save some money from your daily expenditures. So, stop fussing about the money you already spent and read the below money-saving hacks that will help you learn how to save money in college.

1. Check for scholarships

A number of universities offer grants, scholarships, and subsidies to help students pay the tuition fees. So, get in touch with the financial aid department of your university and check if you are eligible for any of these scholarships and grants. As most of the universities have a limited number of scholarships to give away, try to apply early without missing the deadline.

2. Buy and sell used textbooks

Rather than spending a lot of money on new textbooks, try buying used textbooks from other students or websites like eBay. This will save plenty of money and you still have the materials you need for your course.

Once your final exams are over, instead of just dumping the textbooks, sell it to other students who might need them to get a little profit. Additionally, if you have made some great lecture notes, exchange them for cash as a bonus.

3. Buy a piggy bank

Just like your childhood days, try saving some extra money in a piggy bank. If not a piggy bank, get yourself a spare wallet which can hold all your extra money. From adding spare change from daily expenses to putting aside a big chunk of money from your wages or student finance, use a method which works the best for you.

4. Check for student discounts

By using your student card, you are automatically eligible for great discounts from a number of products and services from major retailers. From getting discounts on movie tickets to special discounts on online shopping websites and restaurants, take complete advantage of your student card.

This is probably the most exciting part of being a student on a budget, discounts. So, research different options, memberships, and cards you can sign up for to take complete advantage of your student status. Also, keep an eye out for student events where discounts are even higher for one night. Also, take a look into money making apps for students to earn extra money on the side.

5. Make a budget

Consider creating a budget as your top priority. Make a list of all your income sources. This might include your pocket money, allowances from parents, part-time wages, savings, etc. Additionally, make a separate list of your estimated monthly expenses.

These expenses might include your dining out or takeaway meals, grocery shopping for cooking food at home, school supplies, laundry, personal care and travelling. Make some arrangement of saving money from your income sources in the budget and ensure that you stick to this budget every month.

6. Separate wants from needs

As a student, you might get tempted for spending money on things which you might not need later. Try to be more watchful towards your wants and needs. Decide if you need to take a quick takeaway meal from outside or cook a simple meal for you at home.

The same idea applies to material objects like clothes and decorative items. Ask yourself if you need it and if your money is well spent. This puts your mind at ease, is a useful money-saving hack and helps you make informed choices about how you choose to spend your money.

Also, keep a track on your expenses to see if you can save some money either by doing your own laundry or by using a bicycle to your university instead of public transport. This will save small pennies but really goes a long way as a money-saving hack.

7. Replace credit card with a debit card

Holding a credit card will make it easy for you to spend money on unnecessary things. This might lead to overextending your credit limits. Once the credit is piled up, there will be surcharges for non-payments or late payments. Instead, use a debit card where you can keep an eye on your expenses and are aware of the money you have in your account.

8. Do not throw away the leftover food

Do not throw away leftover food unless it is rotten or gone stale. Properly stored food can last in the fridge for 2-3 days or even for a week. Also, you can cook your food in bulk on weekends and just grab it and re-heat it on weekdays.

This will help you save both money and time. Additionally, keep a watch on the expiry dates of certain food products such as dairy, bread, cereals, sauces, and what you buy from the supermarket.

You could also find buying frozen vegetables and meat to be cheaper and last longer. This will definitely prove as a handy money-saving hack as students you are limited on budget and meat is the most expensive part of a grocery shop.

9. Buy in bulk

If you have some extra space in your accommodation, then buy items in bulk. For example, items such as paper towels, shampoos, soaps, and more that have a longer shelf life compared to food. If you don’t have space to store additional items, check with your friends who might need the same things as yours and share the items as well as the expenses.

10. Ditch expensive gym memberships

Rather than paying a lot of money at fancy gyms, check if your university offers a gym membership to its students. University gym memberships are either free or come at minimal charges making it pocket-friendly. If your university doesn’t have a gym, check for some group classes such as yoga, Zumba or aerobics which will help you stay active and fit. If you are interested in playing indoor or outdoor games, then check if there is a provision for playing sports at the university and enroll for it.

Ultimately, there are plenty of ways to saves money as a student but you have to keep track of your spending to do it. It is all your responsibility and it is completely achievable to thrive while on a college budget.

Author Bio

Steve is the owner behind the website Best Essay Writing Company. He is a retired Financial adviser who now helps students find the right support and tutoring services for them. He is passionate about education and learning.

How to Get Out of Student Loan Debt (7 Legal Ways)

how to get out of student loan debt

Have crippling student loan debt? Here are ways you can legally stop paying student loans. It may be worth your time to see if you qualify.

More than 40 million Americans have student loan debt. Of those borrowers, 5.6 million owe more than $50,000. That kind of crushing five-figure debt can take a real financial and mental toll.

You probably heard about student loans being discharged and now you are looking all around the internet if there are any legitimate student loan forgiveness programs available out there so you can stop paying student loans.

Is it too good to be true?

While looking for the real ways to get them discharged and quit paying student loans you also have to watch out for student loan forgiveness scams. There are a lot of them claiming they can get your debt forgiven, which is usually not the case.

There are also the legitimate ones that can guide you through the whole application process that helps you take advantage of any federal programs that might be available for you. So before you stop paying so you can avoid student loans sold to a collection agency you should learn about your forgiveness options.

Student loan forgiveness options have been around for some time now when President Obama reformed part of the Direct Loan program in 2010 by signing the Health Care and Education Reconciliation Act of 2010.

Student Loan Forgiveness programs have been set into place in order to help aid former students in paying for their education following graduation (sadly, these programs are only applicable to students with federal student loans, not private).

Getting loan forgiveness is a lengthy process that only applies under certain circumstances.

How To Stop Paying Your Student Loans

Besides making more money, you may feel like your options are limited. Here are three legitimate programs that could help you get your loans forgiven:

1. Enroll in income-driven repayment

Most federal student loans are eligible for at least one income-driven repayment plan. If your income is low enough, your payment could be as low as $0 per month.

An income-driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. You can enroll in four income-driven repayment plans:

  • Revised Pay As You Earn Repayment Plan (REPAYE Plan)
  • Pay As You Earn Repayment Plan (PAYE Plan)
  • Income-Based Repayment Plan (IBR Plan)
  • Income-Contingent Repayment Plan (ICR Plan)

If you’d like to repay your federal student loans under an income-driven plan, you need to fill out an application.

2. Pursue a career in public service

If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program.

The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

To qualify for PSLF, you must

  • Work for a government agency or for certain types of nonprofit organizations
  • Work full-time for that agency or organization
  • Have Direct Loans (or consolidate other federal students loans to qualify)
  • Repay your loans on an income-driven repayment plan
  • Make 120 qualifying payments

Think you are eligible? You can use the PSLF Help Tool to assist you in starting the Employment Certification Form that you will eventually print, complete, and submit.

3. Apply for disability discharge

Total and Permanent Disability Discharge is available to federal student loan borrowers who are disabled and unable to engage in any substantial gainful activity (employment) because of physical or mental impairment.

The discharge would provide you with relief on your student loans by removing the debt completely that is under your name. You must be able to prove to the Department of Education (DoE) that you are in fact permanently disabled.

Few options to prove your disability

  • If you have received a notice of award for SSDI or SSA you can submit this to the DoE to review. The notice must state that you are permanently disabled, as well as having your next review between 5-7 years. If your next review is less than 5 years, you will not qualify for a disability discharge.
  • Your physician can submit a certified form stating that you are totally and permanently disabled. The physician would need to state what is your disability, how long it is expected to last, and whether he or she believes you are unable to engage in gainful activity due to your disability.
  • If you are a veteran, the Veterans Affairs office can provide documentation to you that you are unemployable due to a service-related injury.

Your disability must have lasted, or is expected to last at least 60 months, or is expected to result in death.

4. Ask your employer

If you are not eligible for federal programs, you may get lucky if your employer can help with those payments. According to a report from Debt.com, about 4% of employers help their employees with their student loan payments. That number is going to increase next year.

All that it takes? Simply asking your employer if they offer assistant with student loan repayment.

The worst they can say is no.

5. Serve your country

If you are a veteran and served your country then you may be eligible for student loan forgiveness. Each branch has its own set of requirements and rules so it’s worth checking out.

If you didn’t serve, you can also benefit by volunteering your time with AmeriCorps or Peace Corps which can also grant loan forgiveness.

6. School closure

The closed school discharge program is available if you attended a school that closed while you were enrolled or if you withdrew 120 days before the school’s closure.  (Note that the period changed from 90 days to 120 days as of July 1, 2014).

Only loans received at least in part on or after January 1, 1986, may be discharged. FFEL and Direct Stafford loans, PLUS, and Perkins loans are eligible. Consolidation loans are trickier. A consolidation loan usually consists of a number of underlying loans.

If any of these underlying loans could be canceled, you can apply for a closed school cancellation for these loans only. If granted, you will receive a credit for the amount of the underlying loans related to the closed school.

7. Borrowers defense to repayment (BDR)

The Obama administration introduced the Borrower Defense to Repayment (BDR) rule as a way to provide debt relief to students defrauded by their school.

The legislation was prompted by the closing of Corinthian Colleges, which left approximately 16,000 students with debt and no degree. Although borrowers have been able to seek loan forgiveness from fraudulent colleges since 1995, BDR makes the application process much easier.

For-Profit Schools went through several investigations between 2010 and 2016. What the investigations revealed that in some cases the colleges had over 50% dropout rate, they were overcharging students, using illegal recruitment tactics, misleading students about their accreditation and especially job placement.

Some colleges were even encouraging students to forge documents to get approved for loans they should never have gotten. At this point, these schools have cost the taxpayer around $24 billion dollars.

In the six months prior to leaving office, the Obama administration forgave nearly 28,000 loans.

Final word

With the options available there is a high chance that you could get out of student loan debt or more formally get your student loan debt forgiven, it just a matter of taking the time and knowing your options.

9 Best Money Making Websites That Pay You Cash


Are you looking for easy websites to make money or ways to make money fast outside of your job?

Then you’ll love this article. I’ll share several lucrative ways you make some money through the best websites to earn money.

Why would anyone want to make money with money making websites?

Depending on a monthly salary can be frustrating. With rising living standards, making it to the end of the month can prove to be difficult.

Some people depend on having side income streams to make ends meet, so learning to make money outside of your job is beneficial for most people.

There are plenty of ways to make money over and above your monthly salary. In order to do this, you would have to fully utilize your time and resources you already have. This is possible through these simple money making websites.

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9 Money Making Websites To Earn Money Online

Looking for some quick ways to make a little extra cash? Check out these options.

1.  Amazon Flex

Amazon Flex – The latest entry to this market space, Flex launched in Amazon’s home market of Seattle and has since expanded to two dozen other markets. You can earn up to $25/hour delivering packages to Prime customers in under one hour. You cover gas, maintenance, and any other car expenses.

2. Mechanical Turk

Mechanical Turk – Another Amazon service, Mechanical Turk lets you do “human intelligence tasks” online for a variety of pay points. One man earned $20,000 doing these small jobs from home while he still had a full-time job!

3. Task Rabbit

TaskRabbit.com: Cleaning, shopping, and delivery, handyman, moving help, general help and summer tasks are a few of the categories that you can hire yourself out in.

4. CheckPoints

CheckPoints.com: App that offers manufacturer deals while you’re in the store. You earn points for simply scanning the barcode on an item in a store. No purchase of the product is necessary. You can redeem the points you collect for free gift cards, airline miles, and other perks.

5. Easy Shift App

EasyShiftApp.com: Become an on-demand secret shopper. You’re assigned “shifts” by product manufacturers who want people on the ground to go into stores and confirm that their merchandise is being displayed properly. The pay rate for a shift is between $3 and $8 and the money is remitted to you via PayPal.

6. Foap

Foap: Make money by taking photos. Plus, you can charge as much as you want per photo.

7. Field Agent

Field Agent: Find local jobs in your area and complete them within two hours for cash.

8. Fiverr

Fiverr.com – Are you an expert at reviewing resumes? Designing websites? Improving PowerPoint presentations? Developing marketing materials? If you can do any of these things or more, there’s a market for your talents on Fiverr.

9. eLance

eLance.com – Offer your freelance services to others in a variety of fields.

These are the Best Websites To Make Money! Go Get It!

One of the great things about the internet is that it’s such a great way to get into business for yourself.

No matter where you live, as long as you have an internet connection, you can make money online.

In this article, you found some of my favorites ways to make money online with these easy sites that’ll help you earn in 2021.

We hope this helps you in some way. Please feel free to contact me if you have any questions at all about these money making websites!

The Best Federal Student Loan Servicers in 2021

best student loan servicers

We rank the best student loan servicers so you know which student loan servicer is best and which one is not in 2020.

Getting a federal student loan is a must for most college students. Aside from the fact that it offers low-interest rates, the payment options are also more flexible and manageable. Unfortunately, the federal government does not allow students to choose their own loan servicers, or the companies responsible in managing the students’ loans.

Once a student applies for a federal loan, he will immediately be assigned to a private loan servicer. The student can be appointed to any of the existing servicer companies in the United States. Once assigned, the servicing company will take charge in managing payments, providing options, and giving overall support for the student loan holder.

Lender vs. Servicer

Some people get confused and use these two terms interchangeably, when, in fact, these are two different entities related to federal loans. The lender is the entity responsible for providing the credit to the applicant to be used for higher education fees. Meanwhile, a servicer is a private company tapped by the US government to manage the existing student loans of students.

This means that a student who applies for a federal student loan only needs to contact the Federal Student Aid once and then send an application. Once approved, it will assign the student to a servicer.

The student should then remain in constant communication with his federal loan servicer to work with him in providing servicing plans, helping in loan consolidation, and assisting in different tasks related to the loan.

Federal Loan Servicers in the US

If you are an incoming college freshman and you want to get a federal student loan, you better be ready and know the possible loan servicers that may be assigned to you. Below are some of the most popular loan servicers for student loans. Because you’ll never know which of them will manage your loan, it will help to understand more about them:

About 90% of all federal student loans today are assigned to one of the Big Four servicers, which are Great Lakes, FedLoan Servicing, Navient, and Nelnet. Unfortunately, three of these servicers are also among the most hated according to complaint statistics. Navient, FedLoan Servicing, and Nelnet received 1,027 complaints per million serviced accounts during the previous year. You may have seen news about the Navient lawsuit, and that they are facing six lawsuits alleging illegally cheating borrowers out of repayment rights through shortcuts and deception.

Being assigned to Great Lakes will not be the perfect experience, either. However, as far as the other servicers are concerned, Great Lakes is your best bet for a service provider in the country. It only received 36 complaints per one million customers last year.

Aside from the Big Four, there are also five nonprofit servicers: Cornerstone, Granite State, HESC, MOHELA, and OSLA. These servicers vary when it comes to customer satisfaction, but the more favored ones seem to be OSLA, Granite State, and HESC. If you want to learn how to get in contact with your student loan servicer, you can see this post here.

Is There a Way to Choose Loan Servicers?

If you are fed up with the federal loan servicer assigned to you, you have the option to get another servicer. However, you can only do so by choosing any of the two options:

  • Consolidation – This will allow you to apply for a new student loan and combine it with your existing credit. It’s an option that lowers the monthly payments but extends the loan term. However, this will also require you to pay bigger interest over time.
  • Refinance – This will allow you to get a new student loan, but from a private lender. Your existing federal loan will be transferred to a private lender, such as a bank or a loan union. Remember that private lenders generally have higher interest rates and more strict payment schemes so it’s best to think about it.

Financial Management

Whether you’re assigned to a good-rated or bad-rated loan servicer, it is entirely up to you whether you’ll be able to cover the monthly payments or not. Some customers blame servicers when, in fact, it was entirely their fault that they failed to stay updated with their debts.

It will take discipline maintaining a good relationship with money, so you can dictate what it can do for you, and not the other way around.  Successful financial management cannot be achieved right away—it takes constant self-control to make paying off your loan a priority. Never treat your credit as a liability, but rather an investment for your education.

If you think you can’t handle federal student loans, you can always consider getting a scholarship. You can check with the college you are enrolling in, state and federal agencies, foundations, religious and education groups, or even your parents’ employers for opportunities. Most scholarships are merit-based or by achieving specific academic standards, while some are based on financial necessity.

Author Bio:

AJ Balois is a Content Manager at BPI-Philam, a bancassurance company, based in the Philippines. She’s been working in the banking and insurance industry for seven years. Upon realizing the power of being financially literate, AJ promised to share her knowledge through informative and educational content.   

How to Budget Money on a Low Income

how to budget on low income

If you have a low income, here is how to create a budget that will help you save money and be sure your expenses are covered.

Although there are many budgeting blogs and tips, many of these don’t appear to be relevant when you have a low income.

Fortunately, there are ways that you can budget on a low income, and here we’ll explore this topic in more detail, so you can start getting your finances in order.

Work Out Your Basic Expenses

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First and foremost, you need to know what your basic expenses are. These are things that you must pay each and every month, so they include costs such as rent, transportation, utilities, and food. These basic expenses will dictate how much “disposable” income you have available, which we will explore later.

Fortunately, there are some great expense tracking apps that can help you to determine where your money is going each month. When looking at the two most popular apps as a Personal Capital vs Mint comparison, you will need to see which platform you feel most comfortable using. Both of these apps have features to make expense tracking and budgeting easier.

Once you start getting a handle on your finances, you can also use these apps to start planning for the future, including paying off your student loans or even saving for a deposit to buy your own home. However, for the moment, your main priority is likely to be to stabilize your finances and try to manage your modest income as best as you can.

Of course, if you don’t yet feel comfortable using an app, you can work out your expenses the old fashioned way, with a pen and paper. Just gather your bank and credit card statements to note down all of your regular expenses. You will need to prioritize your essential expenses, so don’t include that morning latte in your costs, just yet.

Your list of essential expenses should include:

  • Rent
  • Utilities
  • Transport costs
  • Food

Add up the expenses that are needed to survive comfortably each month to create a baseline to start your budgeting efforts. Once you are aware of how much you have to cover each month, you can start to add in other expenses as you can afford them.

Set Your Budget

Emergency Savings Fund

Once you have established your basic costs, you will be aware of just how much you have to spend each month. The fundamentals of how to make a budget are quite straightforward; take the figure you calculated above from your income to determine if there is a surplus. You can then plan in any additional costs that make your life more comfortable.

Try to be realistic about your expenses and look at things you can afford. So, while you may not be able to afford fancy new clothes every month, it is inevitable that you will need a few new items throughout the year. Additionally, you’re not likely to want to spend all of your time stuck at home, so plan in a fund for entertainment.

However, once you have worked out all these costs and set limits, you will need to stick to them. Write out your budget in full and keep it handy, so you can track your spending and ensure that you stick to your budget.

This can be a challenge on a low income, but we’ll discuss some ways to increase your financial flexibility in more detail.

Try to Minimize Your Biggest Expense

One of the biggest challenges of managing a budget on a low income is covering all those essential expenses. If your budget is particularly tight, you may wonder how you’re supposed to have a life when you can barely cover your rent, food, transportation, and other essential costs.

To make sure that you’re not living like a hermit, it is crucial to start looking at any large expenses that can be minimized. The chances are that your largest expense is your rent, but it is not always possible to change this. Many people are tied into a lease, where it would be extremely costly to move even if they could afford first and last in a new place.

However, if you have space in your home, you could find a roommate to help share the costs. Many students are already sharing a home with roommates, but it may be worth discussing the situation and deciding if there is room for another person. If you have the space for a couch and television in your kitchen, you may be able to convert your living room into another bedroom.

Shop Smart

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If you can’t minimize your rent, don’t worry as there are other large expenses that can be trimmed to create a little financial breathing room. Even something as simple as learning to cook can save a small fortune in food costs. You can easily make two or three dinners for the cost of a take out, so this can drastically reduce your expenses.

According to a Forbes report, it is five times more expensive to order restaurant delivery compared to cooking at home. So, you should really rethink your takeout habits. In fact, if you want to save money, throw out your takeaway menus and keep a shopping list handy, so you can plan your groceries.

Another way to cut the costs of your groceries is to shop in bulk and buy only seasonal produce. There are lots of discount grocery stores around, so it may be able to save money by traveling a little further to a cheaper store rather than relying on the store on the corner. Of course, you can only make savings if you buy foods you like in bulk; there is no point in buying a 10 pound bag of rice if you only like to eat rice dishes once every week or two.

You can also save money on groceries by shopping to offers. Look out for offers on your favorite items including:

  • Buy one get one free,
  • Three for two
  • x% off

When you see an offer, stock up. Additionally, look out for coupons, as a dollar here and 50 cents there can really start to add up.

Stick to Cash

college budget

Another issue with budgeting on a low income is sticking to the budget. It can be very easy to overspend by 5 dollars here or there and find that you’re really over budget by the end of the month. One of the best ways to avoid this is to stick to a cash budget.

In simple terms, instead of using your debit or credit cards, you will have the cash to spend on most of your expenses. Of course, your rent and some other expenses may be taken directly out of your bank account, but keeping a cash budget for spending, including grocery shopping, nights out, and clothing will help you to keep better track.

The most effective way is to have an envelope for each type of spending. So, if you’ve budgeted $100 for grocery shopping a month, at the start of the month, put $100 dollars in an envelope marked groceries. Each time you visit the store, pay out of this envelope.

While this may seem a little daunting, having the physical cash will stop you from overspending. No one likes the embarrassment of not having enough money at the checkout, so you’ll be forced to check how much you have before you start loading up your grocery cart.

Restructure Your Debt

Student Loans 101

According to an AIG report, over one-third of college students already have credit card debt totaling more than $1,000, and many of them have no plans to pay it off in the near future. If you’ve been struggling to manage your finances on a low income, you may have already been using your credit cards for basic expenses, including rent and food.

So, in addition to trying to manage your expenses, you now have to cover the payments on your credit cards.

Fortunately, many credit card companies appreciate that their customers may struggle to manage their debt and may be willing to negotiate your terms. If you’ve been struggling to pay even the minimum payment each month, it is worth giving your credit card company a call to see if they will put a freeze on your account interest.

While this may not seem like much, if you are not accumulating interest on your credit card account for six months or a year, you will be able to pay the same amount, but start tackling the balance. This will create a little breathing space, so you can start to plan your long term finances.

Look for “Free” Money

side hustles for students

If you’re struggling to cover all of your expenses on your income, be on the lookout for free money. This doesn’t mean finding a $10 bill on the street, but rather all of the potential money that is available to you that you may not have taken advantage of, such as tax refunds, bonuses, and even special offers.

There are lots of apps and platforms that will pay you cash back or gift cards just for doing your usual regular activities, including shopping in certain stores, playing online games, or browsing the internet. Many of these apps require the completion of simple tasks that are easy to fit around a class schedule, and while you’re not likely to make a full-time income, they can provide a nice side hustle.

For example, Swagbucks allows you to accumulate points to save for free gift cards by performing short online tasks. Once you’ve accumulated enough points, you can exchange them for a gift card that can be used to buy groceries, enjoy a meal out, or just treat yourself to a little something. This can be a great reward for sticking to your budget, without needing to find the extra money to buy something.

Start Saving

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When you’re on a low income, even the thought of saving can be daunting, but it is worth adding into your plans. Even if you can only manage to save $20 a month, it can provide a buffer if you have an unexpected expense or bill. While it may take a little belt tightening to provide some savings each month, once you get used to automatically putting a little away each month, it will seem easier.

Increase Your Earnings

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Even if you’re great at budgeting, a low income should only be a temporary situation. Whether you’re still in school or working an internship, your low income should only be in the long term. However, it may be possible to increase your earnings until you can reach a higher income potential.

Once you’ve lowered your expenses and cut costs, making $400 a month more can have a dramatic impact on your quality of life. Fortunately, there are a number of ways that you can start making a little extra each month. As we mentioned above, there are money-making apps that can provide a decent side gig to earn a little extra each month.

However, there are other ways to increase your earnings. You could ask for a raise or promotion at work. Many employers appreciate employees asking for more responsibilities, and you could be rewarded with a raise.

If this is not possible, you may need to look at applying for better paying jobs. While it can be challenging to manage a job around your school schedule, there are some decent opportunities, which can allow you to boost your income.

You could also consider turning your interests and current skills into an income stream. If you’re on an academic path, consider tutoring, if you enjoy media, consider becoming a YouTube creator. These types of opportunities should not detract from your studies and can also be a welcome feature on your resume when you apply for employment or a post grad course.


Being on a low income can be a real challenge, particularly when you’re at school and want to enjoy socializing with your friends. However, there is no need to get trapped in spiraling debt, if you can budget correctly. Budgeting need not be daunting, and with our tips, you can take control of your finances.

Budgeting your money on a low income can allow you to ensure that all of your necessities are covered and maybe even find a little extra cash to pay off debt and start a savings account. You’ll need to get used to tracking your spending, but once you get the hang of budgeting, it is a valuable tool for the future.