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College can be one of life’s biggest investments. And, earning a degree or certificate is an important step forward down many career paths.

Many students work to cover expenses and gain on-the-job experience while furthering their education. Balancing the competing demands of coursework and a job, however, can be a challenge. For some learners, taking online classes while working is one way to fit school into an already packed schedule.

Online classes allow you to study virtually anywhere, not just colleges or trade schools located in your area. In addition, pre-recorded classes enable you to fit your coursework into evenings, weekends, or whenever your work schedule allows.

However, the quality of online programs can vary widely. And, getting a degree online may not allow you to make as many professional and personal connections as an in-person college experience.

Read on to learn more about taking online classes while also working full-time, including the pros and cons, and strategies for juggling the demands of schooling alongside holding down a job.

Pros of Taking Online Classes

Given the time and financial investment that earning a degree can require, it can be helpful to weigh different schooling options before deciding whether to pursue an in-person education, online classes, or some hybrid of the two. Online classes can have some distinct advantages.

Here’s a look at some potential pros of working towards a degree or certificate online.

Having a Flexible Schedule

Traditionally, college and graduate school courses meet once or multiple times per week throughout a semester or summer/winter session. The length of class time varies too. For example, large lectures may only span one hour, while once-per-week seminars could run for two or three hours.

If you’re taking a full-time course load, which usually constitutes a minimum of twelve credit hours, you’ll have to coordinate these blocked-out class hours around your existing work schedule.

As a result, in-person learning (where students are expected to be in class at a set time each week) is not always feasible if you plan to work and study at the same time.

If you work full-time, online classes can come with added flexibility. After all, online courses are often facilitated through pre-recorded lectures, streaming video tutorials, self-guided activities, and reading that can be done on a student’s timeframe.

In some cases, online classes do still include a certain number of live lectures or learning activities (typically hosted via streaming video) that enrolled students are expected to attend.

In those scenarios, you might need to arrange your work schedule so you’re not on the job during the times when live online classes convene.

Naturely, most online classes still assign homework, so you’ll also need to consider when you’ll fit in independent reading, projects, and studying. However, online degree programs and classes often offer a higher level of scheduling flexibility, allowing you to “attend class” and study at times when you’re not working.

Maintaining Location Independence

There are thousands of colleges and universities across the United States, but probably only a handful near your home or place of work. While taking classes as a commuter student might be logistically possible, sticking to programs hosted by local universities can limit your choice of faculty and subject areas.

Additionally, it’s possible that local options aren’t the top-ranked in a given field — and might not even offer specific degrees or pre-professional certificates.

On the flip side, the only location required for taking online classes while working full-time is a reliable internet connection and a comfortable study space. Online classes also save time traveling to and fro a campus, giving you more time to juggle post-secondary studies alongside your regular job.

Possibly Lower Living Expenses

Tuition is only part of the equation when calculating the total cost of attending college. Some universities may require students to live on campus for one or more years, which could carry dining hall and other fees (in addition to the base cost of living in a dorm).

Students attending four-year public universities can expect room and board to run, on average, $11,520 a year, according to the Education Data Initiative. Opting for an online degree program can help bypass some of these additional expenses.


💡 Quick Tip: Private student loans offer fixed or variable interest rates. So you can get a loan that fits your budget.

Cons of Taking Online Classes

In addition to online learning’s merits, there are some potential cons to think through when evaluating taking online classes while working full time.

Not Every Degree or Major is Available

Colleges across the U.S. offer a wide array of majors and types of degrees. Online programs, on the other hand, tend to be more limited. So whether or not you can take online classes while working will depend, in part, on your chosen field of study.

For online bachelor’s degree programs, majors focused on business and health professions are among the most commonly available. Students interested in earning a master’s degree online in business or healthcare are in luck as well. There are also opportunities to enroll in graduate programs in education, engineering, criminal justice, and various social sciences entirely online.

Other majors and degrees, especially those that require in-person lab time or hands-on apprenticeship, such as culinary arts or chemistry, might not translate as well to an online format.

Recommended: Return on Education for Bachelor’s Degrees

Limited Networking Opportunities

Attending college in person can provide opportunities to make friends and build relationships with professors. Building a deep social and professional network while in school can help you find internships and jobs after school ends.

Taking online classes, however, can make it more challenging to connect with professors and fellow students. That being said, it’s still possible to make a strong impression on professors and peers through course assignments, presentations (whether individual or group), and written correspondences.

If you are planning on taking online classes while also working full-time in the same field (e.g., a nurse or a teacher studying for an extra certification in those professions), this potential networking disadvantage may be less of a concern — since you can still connect with fellow professionals on the job.

Strategies for Taking Online Classes

Whether you just graduated high school or are returning to the classroom after years of working, being prepared can help you get the most from your online classes — and, ideally, help to create a healthier work-life balance. Here are some key ways to prep for working full time and going to college.

Making a Schedule and Sticking to It

The flexibility of online classes can feel liberating, but those readings, online discussions, and assignments still need to be completed. Keeping your work schedule in mind, it can be helpful to block out some non-work hours during the week or weekend just for studying and school assignments.

It may also be helpful to think about when to get school work done. If you’re not a morning person, it’s likely you won’t be cracking the textbooks at sunrise. If you find out that your present work-school schedule is hard to sustain over time, it’s perfectly okay to go back to the drawing board.

The important thing is to find a time-management system that works for the duration of the time you’re both working and studying full time.

Starting Small

Even if you feel confident and excited about returning to the classroom (virtual ones count, too), taking online classes while working full time may be a big adjustment.

Some online degree programs allow you to enroll as a part-time student, which can be a “trial-run” opportunity — allowing you to understand how demanding juggling school and studies can be (before paying full tuition).

Understanding how much time each online class will demand can help you to be realistic about how many classes you can take each semester without burning out.

Setting Goals and Rewarding Progress

Creating achievable goals at the beginning of each class or semester is one way to stay on track, grow as a student, and measure success. Attaching a reward to these periodic goals can help many learners to stay driven and engaged.

Whether you passed your first online class, completed a big group project, or got a key certification, you deserve to celebrate achieving your educational accomplishments.


💡 Quick Tip: Would-be borrowers will want to understand the different types of student loans that are available: private student loans, federal Direct Subsidized and Unsubsidized loans, Direct PLUS loans, and more.

Paying for Online Classes

For some students, the cost of online education (after subtracting dorms, dining plans, and transportation) can be an additional determining factor. The individual cost of online degrees and certificates will vary significantly from school to school — including price differences between public and private university programs.

In some cases, online-only programs may cost less for enrolled students. In others, online classes are priced similar to their in-person counterparts.

Whether you opt to work and go to college at the same time, how to pay for college is likely a big question. Making a plan for financing your education is one step in figuring out how to take online classes while working full time.

Completing the Federal Application for Federal Student Aid (FAFSA) can help you determine how much federal student aid (such as grants, scholarships, and federal loans) you are eligible to receive. You can also explore scholarship opportunities through universities, nonprofit organizations, and private foundations for additional funding.

Many students also borrow money through private loans to pay for advancing their education. These are available through banks, credit unions, and online lenders and often may come with flexible repayment plans, allowing you to find a loan that fits your budget and financial plan. (It’s worth noting that federal student loans come with baked-in benefits, like income-driven repayment or public service loan forgiveness, that are not guaranteed by private lenders).

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Did you know that almost 40% of Americans say they have a side hustle, according to a recent survey? And many of those are likely performed at home, from helping a local business with their social media to crafting keychains.

If you’re looking for ways to boost your income without leaving the comforts of home, you’re in the right place. Here’s a compilation of 33 great ways to make money without budging. While how much cash you bring in will vary with what exactly you do and how much time and energy you put into it, these ideas can definitely help you get going on the path to earning income at home.

33 Easy Ways to Make Extra Money from Home

Every person has their own interests and talents. Here’s a wide-ranging list of ways to make money from home.

1. Test Websites

Most websites are well-designed and easy to use because they’re tested by real users — a service they get paid to do. Platforms like UserTesting will link you up with companies who need website testers, and you’ll earn money for each test you do, typically $10/hr or more, depending on the type of test. There are also opportunities to earn more money for live interviews about your experience.

2. Test Products

Products also need testers, and testing can be done at home, too. Companies like ProductReportCard will pay for opinions on gadgets, personal care products, and more. (Plus, you might get some free stuff in the bargain.)

3. Take Surveys

Here’s another way to make money from home: If you start poking around product testing websites, you’ll notice most of them capture your opinion by using surveys — and there are plenty of other websites that pay for your surveyed opinion, too. SurveyJunkie is one popular option, as is Swagbucks. These opps won’t get you rich quick (they can pay around 25 cents to $5 each and sometimes considerably more) , but they’re a great way to earn some extra money at home.

4. Become a Voice Actor

If you’ve got a voice for radio — or an audiobook, or a video game, or the PA announcement at your local grocery store — you may be able to earn money doing voiceover work in the comfort of your own home. (Or more accurately, the comfort of your own closet, which is probably the most noise-insulated room in the house.)

5. Do Closed Captioning

Here’s a way to make money online without selling anything: If you’re a quick typist with the ability to pay close attention to speech, you might make a great transcriptionist or captioner. Companies like Rev make it possible to get paid for captioning video content, and you get to set your own hours.

6. Become a Translator

If you are multilingual, you can put those skills to work by becoming a professional translator. Gengo is one platform where translators can find jobs, choosing the ones that fit their abilities and availability. Upwork is another option to explore.

Recommended: Good Paying Jobs Without a College Degree

7. Teach an Online Course

We’ve all got some valuable talents to share with the world — and chances are there’s someone out there who would pay to learn more about what you’re an expert in. Whether it’s creative writing, singing, or coding in JavaScript, get your knowledge out there and get paid for it with platforms like Udemy and Teachable.

8. Become a Tutor

Similar to starting your own course, tutors are paid to teach local students who may be studying for the SAT or just trying to improve their grades. Using video chat can expand your client base far beyond your neighborhood.

9. Offer Music Lessons

If you play an instrument or know the ins and outs of voice control, you can leverage those skills into cash money by offering music lessons — in person or online.

10. Write a Book

Okay, okay: This one is not a quick way to make money or a guaranteed one, by a long shot. But if you’ve got the chops and the dedication, you might just actually write the next great American novel. Or memoir. Or essay collection. Just know that as far as the money goes, it’s a slow burn.

11. Start a Blog

If you’re a writer who wants to hone their chops on an ongoing basis — or you’re just looking for a fun and audience-friendly topic like baking or being a mom — starting a blog can translate into earnings over time, thanks in large part to affiliate marketing. However, a successful blog could also land you speaking gigs, public appearances, and other earning opportunities.

12. Become a Freelance Writer

Another way to make money at home and translate your writing skills into cash: becoming a freelance writer, either on the side or full-time. It can be a tough industry to break into, but once you’ve established yourself, it’s totally possible to earn a living wage doing this work. Having examples of your published work is the best way to show a prospective client your writing skills. Some writers get started by writing a few pieces for a low fee (or no fee even) so that they have some published pieces to share.

13. Or a Freelance Copy Editor

Don’t want to create new content, but happy to read others’ work for errors? Language lovers might be able to earn a living as freelance copy editors. Fiverr is one place to find individual copy-editing jobs, though longer-term contract positions are also regularly listed on job boards like Indeed. It can be a wise move to brush up on the different style manuals (usually AP vs. Chicago) for copy editing so you’re ready to roll.

14. Or a Freelance Graphic Designer

If you have design skills, you could turn your doodles into dollars by sketching logos for businesses, graphics for company websites, and more. You’ll likely need a portfolio of your work to show prospective clients.

15. Or a Freelance SEO Consultant

You can see where we’re going with this — whatever skills you have, you may be able to leverage into a freelance, at-home source of earnings. SEO in particular is a service that companies will pay mighty well for… after all, good rankings translate into more money in their pockets, too. You will likely need to be able to share success stories and metrics, whether for accounts you managed professionally in the past or your own personal account.

16. Become a Virtual Assistant

If you’re the kind of Type-A person whose Google calendar is comprehensive and color-coded, consider channeling those organizational skills into becoming a virtual assistant. Along with offering a great way to make money from home, this gig has the added bonus of a variable work day — you might be scheduling work travel or managing invoices or answering phone calls, but there’s always plenty to do! Try Fiverr, Upwork, and LinkedIn for leads.

17. Sell Your Crafts

If you already spend your downtime enjoying a craft like painting or knitting, why not consider placing your wares up for sale on a site like Etsy? Not only will your art bring smiles to other peoples’ faces, it might also be an easy way to make money from home.

18. Design a T-shirt (or Mug, or Tote Bag)

Here’s a slightly weird way to make money from home: Got a witty slogan, a riff on pop culture, or a beautiful image in mind that just has to be on a shirt somewhere? Make it happen with a website like CafePress or CustomInk, which makes it easy to create and sell your unique designs.

19. Become a YouTuber

If you’ve got something to say and are creative enough to say it with engaging video content (whether that’s dog grooming advice or cute summer outfits), YouTube can be a lucrative way to make money from home. Beware, though: this is a side-gig that can easily take a lot of time and have considerable expense in audio/video equipment.

20. Stream Your Gaming Habits on Twitch

Earning money by playing video games might sound like a fantasy, but platforms like Twitch make it possible…provided you’re actually good, or at least entertaining to watch. You’ll need to have more than 50 followers and meet other marks to become what’s known as an affiliate and start earning cash via people subscribing to watch you.

21. Get Paid to Post on Insta

Yes, you can get paid (and get free stuff) to be a brand ambassador on Instagram and other social media platforms, though you’ll likely need good personal branding and a decent following to do it. Some people spend time curating their social media content already, which means those requirements are probably within reach.

You might find this path especially enticing if you have a niche already, such as being a solo traveler on a budget or a vegan cook, for instance.

22. Sell Your Stuff

If you’re overdue for a closet clean-out, consider selling the stuff you don’t need anymore on an app like OfferUp or on Craigslist or Facebook Marketplace. You know how they say one person’s trash is another’s treasure? Well, in this case, that can earn you money. Just be on the lookout for money scams that can crop up when buying and selling online.

23. Sell Your Photos

If you know your way around a DSLR or honestly even just an iPhone, you might be able to sell your stock-photo-worthy snaps for money. Platforms like Alamy and GettyImages are two places to sell or license your pictures.

24. Rent Out Your Clothes

Yes, this is real! Turn that prom or bridesmaid dress in your closet into income by renting it out to others. Platforms like RentTheRunway and RentMyWardrobe can help. Designer clothes are most in demand.

25. Rent Out Your Camping Equipment

Or your lawnmower, or your bike: Basically anything you don’t use on the regular, you could be earning money by renting out. Check out the database at Loanables, which also makes it easy to list your own items for rent. Bonus: Sharing items is a way to reduce our overall carbon footprint.

26. Rent Out Your Driveway

There are lots (and lots) of cars on the road these days, which means people need lots of parking space. If you have extra room in your driveway, you can rent it out for pretty good money using platforms like Neighbor.

27. Do Data Entry

Are you a quick typist with great attention to detail? These days, companies who need data entry sometimes hire remote workers, which means you can populate those spreadsheets in the comfort of your own home.

28. Or Customer Service

Many people have some sort of customer service background, and, thanks to the magic of the internet, you don’t necessarily need to work in a crowded, noisy call center to put that resume to use. Many companies offer virtual customer service employees, including Amazon. You’ll definitely want to invest in a headset to take those calls with ease, though.

29. Do Medical Coding And Billing

The work might be tedious, but it pays quite well, and, although it’s counterintuitive, you don’t have to work at a hospital to do it. Many medical establishments outsource their coding and billing needs, and companies like Aviacode allow medical coders to work from home while earning both a salary and valuable benefits.

30. Start a Podcast

It might be a long shot, but many successful podcasts started as a casual, at-home conversation between friends. If your subject matter is interesting enough to draw advertisers, voila: at-home income!

31. Start An At-home Daycare

Love kids? You could get paid to care for them by offering at-home daycare services for parents who need time to work or meet other commitments. Starting a business like this may require licensing and home modifications, but you can also hire out your services as a babysitter using an app like UrbanSitter, Care.com, or Bambino.

32. Take Up Professional Pet-sitting

Getting paid to hang out with puppies sounds like a dream, but it can be your reality if you charge for pet-sitting services. Apps like Rover make it easy to get started, but you can also just advertise around your neighborhood and by word-of-mouth.

33. Start Your Own Business

Many of the options listed here might provide potential side income, but if your career is one whose services can easily be done without a physical storefront, the internet could be your key to freedom on a full-time basis. Although becoming your own boss certainly takes some up-front investment, as well as energy and time, your income potential won’t be limited by what your employer decides to pay you.

A major decision before taking the leap to self-employment is how to get benefits that may have been provided by an employer, such as health insurance and retirement benefits. Having a solid plan will make the path forward easier to navigate.

Pros and Cons of Making Money from Home

Before you embark upon one of the ideas listed above, take a closer look at the pros and cons of earning income at home.

Advantages

Among the benefits of working from home are:

•   Convenience

•   Save time and money on commuting

•   Don’t have to buy an office wardrobe

•   Can set your own hours

•   Not interrupted by office distractions

•   Better work-life balance

•   Potentially less stress (less “office politics”).

Disadvantages

That said, there are also downsides to working from home:

•   Isolation/lack of social interaction

•   Lack of teamwork/anyone to brainstorm with

•   May end up working longer hours

•   Communication issues if you use technology to stay in touch

•   May not have office equipment you need

•   Possibly more complicated taxes when you work from home

•   Lack of motivation.

Alternatives to Making Money From Home

Here are some options to making money from home:

•   An office job (obviously)

•   Freelance gigs that get you out of the house, such as dog walking or landscaping

•   Earning passive income from rental properties and other pursuits.

The Takeaway

Making money from home is great, and the right banking partner can help make that cash work harder for you.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

How can I make $1000 a week from home?

There are a variety of ways you could earn $1,000 a week while working from home, such as providing coding services or being a virtual assistant. Much will depend on your skillset and the job market. Try looking on Fiverr, Indeed, LinkedIn, and Upwork for opportunities.

How can I make $200 a day from home?

There are many ways you might be able to make $200 a day working from home, often via online freelancing. You might be a writer, editor, SEO consultant, translator, medical coder, virtual assistant, or otherwise bring in cash.

How can you make money fast but legally?

There are a variety of ways to make money quickly and legally, including gigs that can be done from home, such as selling things you no longer need or items you’ve made, or providing services like transcription online. Or you might do jobs that take you out of the house, such as driving a rideshare.

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SoFi members with direct deposit activity can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.

As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.

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SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

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Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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