If you are facing medical, credit card or any other type of debt, it may seem like you will never stop making payments to creditors. However, there are many different ways in which you can pay down your balances in full and in a timely manner. Let’s go over a few creative ways that you can get debt-free no matter how old you are or how much you make.

Become a Consultant

No matter what you do for a living, there are people who will pay to gain access to your skill set. For instance, if you write articles for a living, you could help someone edit their book or make recommendations as to which publisher to pitch a manuscript to. If you work for the government, you could help an individual or group get a bill passed at the state or federal level.

Take Part in Medical Tests

Your body could be used in a variety of legal ways to help you make money and get out of debt. Engaging in medical tests could enable researchers to learn more about how to cure a certain type of cancer or other health condition. Even if you are in the control group, it may be possible to earn hundreds of dollars that can be used to pay off your car or get ahead on a credit card debt.

Apply for Microloans 

A microloan is among the lending options for low-income earners that may help them get out of debt. These loans are generally for $5,000 or less, and they are aimed at helping people refinance their debt at a lower interest rate. In some cases, the money can be used to start a business or generate some other type of revenue stream. Repayment terms may vary based on what works best for the borrower.

Crowdfund Your Debt Repayments

If you have access to the internet, you have the ability to ask hundreds or thousands of your closest friends to help you pay off your debt. Whether you offer goods or services in exchange or simply ask for donations, it may be possible to raise thousands of dollars or more in a short period of time. If you do ask for donations, it may be a good idea to make donations to others once you are in a better financial situation.

Pick Up Bottles and Cans

In most states, returning a can or bottle will earn you five to 10 cents. While that may not seem like a lot, it may be easier than you think to accumulate hundreds of them in a short period of time. In fact, you may be able to organize a can or bottle drive with the proceeds helping to pay off your debts.

Paying off debt doesn’t have to involve putting in more hours at work or cutting back on expenses. Instead, it can mean asking friends for help or turning to the power of the internet to raise money. It could also mean using your skills to make money on the side while helping a cause that you truly believe in.