SoFi

It’s not a secret that the cost of attending college is more expensive than most people can afford to pay for in cash. Many students turn to federal student loans to help pay for college. But what can someone do if they’ve already tapped out their federal student loan resources or don’t want to take on any federal loans?

Thankfully, there are a variety of resources available to help students pay for their education. From scholarships to savings — continue reading for 14 ways to make college tuition more affordable. It may even be possible to figure out how to pay for college without loans.

14 Ways to Make College Tuition More Affordable

The key to figuring out how to pay for college without loans or financial aid is to make the overall cost of college a lot less expensive. Here’s a few ways someone can make the cost of college more affordable.

1. Apply for FAFSA

It’s always a good idea to apply for federal financial aid — even if you don’t think you’ll qualify. That’s because the Free Application for Federal Student Aid (FAFSA®), is absolutely free to fill out. This form helps determine the type and amounts of aid a student qualifies for. While it’s not a guarantee that students will get financial aid granted to them, it’s worth applying to try to lower the overall cost of pursuing higher education.

Federal financial aid includes both need-based aid like Direct Subsidized Loans or Pell Grants and non-need based aid like Direct Unsubsidized Loans. After submitting the FAFSA, schools will use the information to determine your financial aid package — which will detail the aid you qualify to receive for the school year. The FAFSA must be completed annually.

Sometimes, federal financial aid isn’t enough to allow a student to pay for the full cost of college. The following tips can help students find other ways to lower the costs of attending college in the event they didn’t receive enough financial aid to make it easy to pay for school.

2. Qualify for Merit Scholarships

Because scholarship funds don’t need to be paid back, they can be a valuable tool to help pay for school. While there are need-based scholarship opportunities there are also merit-based scholarships that focus on giving money to students that meet or exceed certain standards set by the person or organization issuing the scholarship — such as academic excellence or athletic ability.

Merit scholarships may be available from your college or university, from local companies or nonprofit organizations, and other institutions. Contact your school’s financial aid office for information on scholarships available at your academic institution.

3. Apply for Private Scholarships

While colleges often offer scholarship opportunities, so do private companies, nonprofits, and other organizations such as religious groups. Both school-based and private scholarship opportunities are worth looking into. You can find information on private scholarships from both your school’s financial aid office and by searching online databases, like Scholarships.com, that aggregate information on available scholarships.

4. Apply for ROTC Scholarships

If someone is considering joining the military they may be able to receive up to 100% in tuition assistance if they do so. College’s may have ROTC programs that make it possible to qualify for scholarships before joining the military — unlike the GI Bill which gives education money to those already enrolled in the military.

5. Attend a Community College

Attending a community college before transferring to a four-year university is another option to cut tuition costs. Some community colleges even offer tuition-free programs. Not to mention, when attending a local community college it may be easier to remain living at home with mom and dad which can cut down living expenses massively.

6. Earn College Credit in High School for Free

Some community colleges partner with local school districts to give high school students the opportunity to take college classes for free which allows them to earn college credits in high school. Taking advantage of free college classes while in high school can make the cost of attending college later cheaper — especially if the student can graduate early as a result.

7. Ask for Family Donations

While there’s no guarantee family will be able to or willing to help pay for someone to go to college, it can be worth asking parents, grandparents, and other close family members for assistance. Together, their contributions may help lighten the overall load of attending college.

8. Consider Private Student Loans

If someone wants to take out loans but didn’t receive enough federal student loans to fully cover their education and living expenses while in college, they can apply for private student loans to help make up the difference. Unlike federal student loans which are awarded based on the FAFSA, private student loans are awarded from individual lenders and require their own application. Because private student loans tend to be more expensive than federal loans, it’s a good idea to exhaust any potential federal options before applying for private student loans.

9. Choose an Affordable School

Usually, attending an in-state public school is more affordable than attending an out-of-state public school. Additionally, private universities tend to cost more to attend than public universities. If a student can go to an in-state public university, that is likely the most affordable route they can pursue. Especially if they attend community college first to get some general education classes out of the way.

While public schools are generally more affordable than private institutions, financial aid packages can potentially even the playing field. When evaluating colleges, be sure to factor in the actual costs after any scholarships or grants and other aid.

10. Work During School

It can be challenging, but if a student can work part time while enrolled in college, they can pay some if not all of their way as they go. If they took out loans, they may be able to use their earnings to start paying them down early so they can avoid paying interest after they graduate.

11. Budget for College With Parent’s 529 Plan

If a student’s parents set up a 529 plan (which is a tax-advantaged investment account that can be used to pay for qualifying educational costs) they can budget out those savings to see how much of their education they can pay for — a budgeting app could help.

Though some students may not have the benefit of supportive parents. Students figuring out how to pay for college without their parents’ help may want to focus on finding an affordable school, filling out the FAFSA, applying for private scholarships, working while in college, and wisely using student loans.

12. Complete College Earlier Than Four Years

If a student hustles, even shaving off one semester of college can save them a decent chunk of change in tuition, fees, and room and board. If they can take an extra class each semester, they may be able to graduate early and save a lot of money.

13. Live Off Campus and Commute

As convenient as living on a college campus is, it can also be expensive. The cheapest living option is to live at home with parents if that’s possible and commute to school. If a student does need to live on their own, renting an apartment or a room in a house off campus may still be more affordable than living on campus. Cost out the different options to see which is most affordable and in-line with your budget.

Recommended: Does Net Worth Include Home Equity

14. Negotiate With College Campus

Some colleges offer tuition payment plans that don’t necessarily reduce expenses but can make it easier to pay for tuition by spreading payments out over several months instead of expecting one lump sum payment up front. This can be an especially good option for students working to pay for school.

The Takeaways

Paying for college is a big endeavor, but one that can be made easier if a student takes certain steps to reduce the overall costs of college. Figuring out how to pay for college without loans is challenging, but starting by applying for scholarships and financial aid can help.

To make it easier to reach major financial goals like paying for college, SoFi can help. With SoFi’s money tracker app, it’s possible to connect all accounts on one mobile dashboard to get a bird’s-eye view of all account balances, to track spending and set monthly spending targets, and to work with a financial planner to set goals.

Learn more about how SoFi makes meeting financial goals easier.

FAQ

What can I do if my parents won’t pay for college?

Students can apply for financial aid by filling out the Free Application for Federal Student Aid (FAFSA), can take out federal or private student loans, or can work their way through school. It may be challenging, but students do have options outside of their parents for financing higher education.

How can I pay for college by myself?

If someone needs to pay for college on their own, they’ll want to fill out the FAFSA each year to see how much financial aid they qualify for and how much federal student loan coverage they can get. If they need more money to pay for school, they may consider applying for private student loans.

Is Sallie Mae a federal loan?

Sallie Mae student loans are not federal student loans. They offer private student loans.

---

Photo credit: iStock/AntonioSolano

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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.

SORL0522030

Read more

Antisocial people tend not to like being around others, which can sometimes be a barrier to getting certain jobs. In reality there are plenty of jobs that do not require any social interaction, making them perfect for an antisocial person.

What Does It Mean to Be Antisocial?

The clinical definition of “antisocial” is someone that shows no regard for others and does not want to be in the company of other people. However, in common usage, antisocial can be used to describe someone that prefers to be alone most or all of the time.

Why It Can Be Difficult for Antisocial People to Find Work

Most jobs require at least some form of interaction, either with customers or coworkers. This can be a struggle for an antisocial person, who would likely prefer to find work that requires limited or no interpersonal interaction.

Antisocial people may also experience anxiety about job interviews, which are typically a prerequisite in the hiring process for many jobs.

What Makes the Ideal Job for an Antisocial Person?

An antisocial person may want to find a job that requires no interaction and can be done from a quiet and isolated location at their leisure. Self-employment can be a career path for antisocial people to consider or jobs that only require interaction through virtual (email, text, etc.) correspondence.

What Kind of Work Does Not Suit an Antisocial Person?

Any job that requires a lot of engagement with others, such as customer service or retail, would likely not be a good fit for an antisocial person. At the same time, any job that requires a lot of on-the-job training or management would likely not be ideal.

15 Entry-Level Jobs for Antisocial People

Antisocial disorder is often diagnosed at a young age. For those looking to start an entry-level career, here are 15 jobs that are well-suited to an antisocial person (with salary data from the Bureau of Labor Statistics):

Computer Programmer

2021 median salary: $93,000
Primary Duties: Write and test code and scripts that enable computer software to function.

Farmer or Rancher

2021 median salary: $73,060
Primary Duties: Oversee the production of crops, livestock and dairy products.

Writer and Author

2021 median salary: $69,510
Primary Duties: Write original copy for personal or business websites.

Aircraft Mechanic

2021 median salary: $65,550
Primary duties: Repair, inspect and perform maintenance on various aircraft.

Craft Artist

2021 median salary: $49,960
Primary Duties: Create original works of art for sale and exhibition using a variety of materials.

Truck Driver

2021 median salary: $48,310
Primary Duties: Pick up, transport, and deliver packages or goods from one location to another.

Machinist

2021 median Salary: $47,940
Primary Duties: Operate mechanical- and computer-controlled equipment used to manipulate metal parts, instruments, and tools.

Embalmer

2021 median salary: $47,780
Primary duties: Prepare the bodies of the deceased for interment.

Medical Transcriptionist

2021 median salary: $30,100
Primary duties: Transfer voice recordings from physicians and other healthcare professionals into formal reports or other documents.

Proofreader

2021 median salary: $43,940
Primary duties: Read content and correct for spelling, punctuation, and grammatical errors.

Assembly Line Worker

2021 median salary: $37,170
Primary duties: Use hand tools or machinery to produce vehicles, electronic devices and other materials and goods.

Animal Trainer

2021 median salary: $31,280
Primary duties: Teach animals skills such as obedience, performance, riding, security, and assisting people.

Veterinary Assistant

2021 median salary: $29,780
Primary duties: Feed, bathe and take care of animals in need of treatment.

Janitor

2021 median salary: $29,760
Primary duties: Clear and sterilize buildings, schools, hospitals and other commercial businesses.

Crematory Operator

2021 average salary: $37,490
Primary Duties: Perform cremations, including the preparation and transfer of the body post-service.

Recommended: High Paying Trade Jobs in Demand

The Takeaway

Having antisocial tendencies doesn’t mean you can’t find a fulfilling career. In fact, many jobs offer solitude and limited people interaction, which can appeal to many antisocial and introverted individuals.

Regardless of your chosen career path, it’s important to exercise responsible spending and money habits and keep track of your financial goals.

SoFi can help you track your money like a champion, with tools for monitoring your credit score, setting financial goals and monitoring your spending.

FAQ

What jobs require no social interaction?

Computer programmers that work from home, janitors that work night shifts, and farmers and ranch-hands typically have little to no social interaction in their day-to-day work.

What is a good job for antisocial people with no experience?

Artisan jobs, online bloggers, and transcriptionists all provide strong starting salaries and require no formal degree or experience.

---

Photo credit: iStock/ferrantraite

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

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.

SORL0522025

Read more

If you’re finding it hard to be optimistic about increasing your riches, you may want to start adding financial affirmations to your everyday routine. Affirmations specifically targeting money have the power to change self-defeating or negative self-talk when it comes to your finances. And when you start replacing a pessimistic mindset about earning, spending and getting out of debt with a positive one, you’re more likely to take the needed steps to attract the wealth you want — or so the thinking behind daily affirmations goes.

Reciting affirmations may seem awkward at first and the truth is, some people won’t find daily money mantras a game-changer. The good news is, daily money affirmations don’t cost anything and you control the story. Here’s the lowdown on financial affirmations so you can decide if they’re right for you:

What Are Money Affirmations?

Money affirmations are positive words, phrases, and sentences designed to turn discouraging thoughts about money into positive ones. The hope is by regularly speaking these uplifting statements to yourself, either in your head or out loud, you’ll reprogram your brain. When you swap out the old notions for the new thoughts and they become your new truth, you can get busy putting them into action.

The types of financial affirmations vary depending on what your money goals are. For example, you can create statements about increasing your income, getting out of debt, saving money, as well as expressing gratitude for the financial abundance you already have.

Creating your own personal affirmations are all about dealing with your specific money issues or blocks and how you can move forward.

While there’s no set rule on how many times a day you should verbalize your money affirmations, it helps to be consistent so it becomes a habit. A good start might be picking one powerful affirmation and repeat it throughout the day. Or you could choose three to five affirmations that you recite for five minutes or several times in a day.

Be forewarned that taking on too many at once may feel overwhelming and scatter your focus. Once you get the hang of it and it feels more doable, you can try adding more.

Optimizing Your Money Affirmations

Positive affirmations may work better if you put them in present tense, such as “I can,” “I am,” or “I have” instead of using language such as “I will,” “I should” or “I could.” Why? Statements promising future outcomes suggest you could be a certain way instead of dealing with the reality of where you are now.

It can take a while to retool your thinking, so try not to get discouraged if in the beginning, progress seems slow or non-existent. Remember, it took years to shape your current beliefs so it can take some time to adjust to new ones.

Pros and Cons of Money Affirmations

As mentioned earlier, affirmations don’t always appeal to or work for everyone. Depending on your current state of mind and life circumstances, financial affirmations may seem trivial, frivolous, or simply not a priority. If you’re experiencing some stressful times or financial hardships, you may not have the emotional or mental bandwidth to take them on.

On the flip side, many people find the daily practice empowers them, provides clarity, and motivates them to take more financial control and responsibility.

Before you take the plunge, here’s some pros and cons to consider:

Pros of Using Money Affirmations

•   Give you a wider perspective on your core values surrounding your finances

•   Assist in setting personal boundaries

•   Help in creating a realistic budget

•   Cultivate a positive relationship with money

•   Keep you focused on your vision and financial goals

•   Home in on your strengths

•   Boost your self-image and confidence

•   Celebrate past financial successes and current achievements

•   Encourage problem-solving

•   Allow you to explore other possibilities to expand your wealth

Recommended: Does Net Worth Include Home Equity

Cons of Using Money Affirmations

•   Can feel inauthentic if they fail to align with your personal core beliefs or you don’t believe what you’re saying

•   Put too much self-applied pressure to transform your financial picture quickly

•   Can be time-consuming and easy to let slide if you’re busy

•   Require daily financial discipline, commitment, and persistence

•   May not cause any positive shifts in your thinking and so lead you to feel you’ve wasted valuable time

•   May make you feel foolish, self-conscious, or uncomfortable reciting them

•   May bring up painful emotions about money you may not be ready to address even with with financial therapy

•   Create self-doubt or self-defeating feelings if you’ve chosen affirmations that aren’t realistic or attainable

•   May overwhelm you and zap your emotional energy, especially if you’re going through difficult times

•   Probably won’t provide instant gratification if you want or need a quicker mental money fix

39 Ways to Think Your Way to Being a Millionaire

Want to give daily affirmations a try? Reciting any of these to yourself daily may help transform negative thoughts into positive ones:

1.    I choose to only have positive thoughts about money.

2.    I release my fears around money.

3.    I have the power to create and build the wealth that I desire.

4.    I am open to receiving financial abundance.

5.    I’m worthy and deserving of a wealthy life.

6.    If others can be wealthy, so can I.

7.    Prosperity is drawn to me.

8.    I trust I’m on a path to becoming more financially solvent.

9.    I believe I can achieve my financial goals.

10.    I am capable of handling money.

11.    I’m working to build a strong money foundation and achieve financial wellness.

12.    I find the positives in my current financial situation.

13.    My debt doesn’t control me, I can manage it, and I can become debt free.

14.    I overcome all obstacles that lie in my way of financial success.

15.    I want more money and that’s OK.

16.    Saving money is a positive challenge.

17.    I can make my dreams a reality by sticking to a budget.

18.    Starting an emergency fund to protect myself is something I can do.

19.    Every dollar saved puts me closer to financial freedom.

20.    Each day is an opportunity for me to change my money story.

21.    Money well-spent is a source of good and positive things.

22.    The more I give, the wealthier I become.

23.    I use money to improve my life.

24.    Wealth flows into my life consistently.

25.    There are countless ways I can bring more money into my life.

26.    Everything I need to build wealth is available to me right now.

27.    I choose to focus on money coming to me with ease.

28.    My income can exceed my expenses.

29.    I deserve to increase my income.

30.    There are no limits to the amount of money I can make.

31.    I can profit off of my skills.

32.    I’m happy to pay my bills for all they provide me.

33.    I’m grateful for the money I have now and the money that’s on its way to me.

34.    Money can expand my life opportunities and open me up to new experiences.

35.    The money I earn and spend makes me happy.

36.    My net worth is not my self-worth.

37.    I move from poverty thinking to financial abundance thinking.

38.    My life is full of riches beyond money and my happiness is surging.

39.    I have a millionaire mindset. I think like a millionaire. I act like a millionaire, I feel like a millionaire, I am a millionaire.

The Takeaway

Changing long-held, entrenched beliefs about money can be challenging. Incorporating a regular routine of financial affirmations offers the possibility of changing your mindset to a positive and hopefully productive one. While these affirmations may not appeal to everybody, if you feel stuck and want to take some baby steps toward improving your money picture, affirmations may be worth a try.

On the road to improving your money situation, you may want to keep better track of it with a money tracker app. SoFi helps you do this, all in one place. It makes it easy to know where you stand, what you spend, and how to hit your financial goals.

Get credit score monitoring, spending breakdowns, financial insights, and more – all in one app and at no cost.

FAQ

How do you write affirmations for manifestation money?

A review of affirmations on the internet found that they generally have two things in common: they often start with “I” and they are in the present tense. Some people feel money mantras should be short (mo’ money!); others think they just need to resonate with the people who recite them.

How do you attract the abundance of money?

Of course, the idea of attracting something like the abundance of money is based more on belief than anything else. If you believe you can attract it, that belief may lead you to take action – perhaps, to start a business or at least to make a plan. So to attract the abundance of money, you may want to start by believing that you are capable of becoming rich.

How do I get a millionaire mindset?

The first step is probably ridding your mind of self-defeating thoughts. But just being positive isn’t enough. You likely want to develop attitudes associated with successful people: being open to learning, not fearing failure, and being proactive.

---

Photo credit: iStock/atakan

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.

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

SORL0522023

Read more

With the cost of higher education out of reach for many, more young people are flocking to high-paying trade jobs that don’t require a bachelor’s degree. Many of these jobs not only pay well, they are typically in high demand through unpredictable job markets or economic conditions.

What Is a Trade Job?

A trade job is a profession that doesn’t require a college degree, but rather a specialized skill or skill set obtained through a trade school or on-the-job experience and training. Popular trade jobs include construction managers, technicians, dental hygienists, mechanics, commercial pilots, and real estate brokers.

Pros of a Skilled Trade Job

A skilled trade job can be an attractive career path for a couple of reasons:

Educational Requirements

Unlike careers that require a college degree, which can cost hundreds of thousands of dollars and take four years to complete, trade jobs can often be obtained with less than two years of specialized education and at a fraction of the cost. Some trade jobs do not require any supplemental education at all, allowing trade workers to earn a living without being saddled by any student loan debt.

Recommended: Is the Average College Tuition Rising?

Job Security

Many trade jobs are in high demand due to the specialized knowledge and skilled physical labor needed to perform them. They are also potentially at lower risk of outsourcing or automation because they require a physically present human.

Cons of a Skilled Trade Job

On the other hand, there are negative connotations with some trade jobs, including:

Physically Demanding

Trade jobs that involve a lot of labor, like HVAC technicians, construction workers, and mechanics can take a physical toll over the course of a long career.

Potentially Dangerous

Certain trade jobs have high injury and mortality rates, particularly ones that involve the operation of heavy machinery or working in hazardous environments.

25 Trade Jobs That Make the Most Money

Despite conventional wisdom that a bachelor’s or master’s degree is required to earn a good salary, trade jobs can pay very well. In fact, some of the highest-paying jobs in certain states are skilled trades.

Here are 25 of the highest-paying trade jobs in 2022, according to data from the U.S. Bureau of Labor Statistics:

1. Transportation, Storage, and Distribution Manager

•   2021 Median Annual Salary: $98,230

•   Requirements: High school diploma or equivalent; 5+ years of work experience

•   Job Description: Supervising and coordinating the transportation, storage, testing, and shipping of materials or products in accordance with government regulations.

•   Duties:

◦   Supervising workers involved in receiving or shipping

◦   Inspecting warehouse and equipment safety

◦   Analyzing logistics and collaborating with other departments

2. Elevator/Escalator Installers & Repairer

•   2021 Median Annual Salary: $97,860

•   Requirements: High school diploma or equivalent; apprenticeship; license (certain states)

•   Job Description: Assemble, install, maintain, and fix elevators, escalators, chairlifts and other moving walkways and equipment. In addition to understanding the mechanics and components of each system, they are typically involved in the physical repair or replacement of parts, as well as testing equipment to ensure it meets specifications.

•   Duties:

◦   Assembling elevators, escalators, and similar units

◦   Conducting preventative maintenance and inspections

◦   Maintaining service records

Recommended: Does Net Worth Include Home Equity

3. Nuclear Power Reactor Operator

•   2021 Median Annual Salary: $94,790

•   Requirements: High school diploma or equivalent; long-term on-the-job training; U.S. Nuclear Regulatory Commission license

•   Job Description: Responsible for controlling and maintaining the systems that generate and distribute power to businesses, homes, or factories. This can include electricity generated through gas, nuclear, hydroelectric, wind, or solar energy.

•   Duties:

◦   Monitoring voltage and electricity grids

◦   Adjusting control rods and electricity output

◦   Recording systems data

Recommended: Tips for Using a Credit Card Responsibly

4. Radiation Therapist

•   2021 Median Annual Salary: $82,790

•   Requirements: Associate degree (preferred) or certificate; state and national license

•   Job Description: Administer radiation therapy to patients with cancer and other illnesses.

•   Duties:

◦   Explain treatment plans to patients

◦   Calibrate and operate radiation machinery

◦   Monitor patient and keep records of treatment

5. Subway and Streetcar Operator

•   2021 Median Annual Salary: $81,180

•   Requirements: High school diploma or equivalent; moderate on-the-job training; local transit training program (varies by location)

•   Job Description: Operate subways and aboveground street cars, ensuring passengers safely move from one location to another.

•   Duties:

◦   Operate train controls

◦   Make announcements and provide verbal directions to passengers

◦   Ensure overall passenger safety

Recommended: What Credit Score is Needed to Buy a Car

6. Nuclear Medicine Technologist

•   2021 Median Annual Salary: $78,760

•   Requirements: Associate degree from an accredited nuclear medicine technology program; state license; long-term on-the-job training

•   Job Description: Prepare and administer radioactive drugs for imaging or treatment, typically within hospitals, medical labs, and care centers.

•   Duties:

◦   Explain medical procedures to patients

◦   Prep and administer drugs to patients

◦   Maintain and operate imaging equipment

7. Gas Plant Operator

•   2021 Median Annual Salary: $77,850

•   Requirements: High school diploma or equivalent; long-term on-the-job training

•   Job Description: Oversee the day-to-day operations of industrial power plants used by utilities, oil and gas, and manufacturing companies.

•   Duties:

◦   Maintaining equipment and machinery

◦   Ensuring compliance with safety and regulatory standards

◦   Supervising employees and contractors at the plant

Recommended: Should I Go to Community College?

8. Dental Hygienist

•   2021 Median Annual Salary: $77,810

•   Education Requirements: Associate degree; state license

•   Job Description: Examine patients for oral diseases and provide preventative care and education about oral hygiene.

•   Duties:

◦   Taking dental x-rays

◦   Assisting dentists in providing teeth cleaning and plaque removal

◦   Educating patients about oral hygiene techniques

9. Sonography Technician

•   2021 Median Annual Salary: $77,740

•   Requirements: Associate degree; state license

•   Job Description: Operate sonographs that produce images of the inside of a body in order to assess and diagnose medical conditions.

•   Duties:

◦   Prepping and administering sonograph exams

◦   Reviewing images and test results for quality

◦   Analyzing diagnostic information and providing summaries for physicians

10. Electrical Line Installer and Repairer

•   2021 Median Annual Salary: $74,530

•   Requirements: High school diploma or equivalent; long-term on-the-job training

•   Job Description: Install and repair electrical power systems and telecommunications systems.

•   Duties:

◦   Installing, inspecting, and testing power lines, and equipment

◦   Identifying defective devices, transformers, and switches

◦   Stringing power lines between buildings and structures

11. Construction Manager

•   2021 Median Annual Salary: $72,010

•   Requirements: High school diploma or equivalent; 5+ years of experience

•   Job Description: Supervise and coordinate the activities of construction workers.

•   Duties:

◦   Overseeing construction projects from start to finish

◦   Scheduling and supervising on-site contractors

◦   Preparing and monitoring budgets

12. Aircraft Technician

•   2021 Median Annual Salary: $65,550

•   Requirements: Certificate of completion from a Part 147 FAA-approved aviation maintenance technician school

•   Job Description: Repair and perform maintenance on aircraft and aircraft equipment.

•   Duties:

◦   Diagnosing mechanical and electrical issues

◦   Repairing aircraft components

◦   Testing aircraft parts with diagnostic equipment

13. Boilermaker

•   2021 Median Annual Salary: $64,290

•   Requirements: High school diploma or equivalent; apprenticeship

•   Job Description: Assemble, maintain, and repair boilers, vats, or other containers used to hold liquids and gas.

•   Duties:

◦   Reading blueprints to determine where to position boiler parts

◦   Assembling boiler tankers using welding machines

◦   Cleaning boiling vats and replacing broken valves and pipes

14. Wellhead Pumper

•   2021 Median Annual Salary: $63,740

•   Requirements: High school diploma or equivalent; moderate on-the-job training

•   Job Description: Operate power pumps and equipment used to extract oil or gas from an oil field well.

•   Duties:

◦   Assembling pumps and attach hoses to wellheads

◦   Operating pumps and monitoring flow

◦   Transferring oil to storage tank or truck

15. Electronic Engineering Technologist

•   2021 Median Salary: $63,640

•   Requirements: Associate degree (preferred); certificate from accredited program

•   Job Description: Assist electrical engineers with the design and development of communications equipment, computers, medical devices, and other electric-powered equipment.

•   Duties:

◦   Designing and assembling electrical systems

◦   Observing onsite systems placement and performance

◦   Performing quality control and identify issues

16. Real Estate Agents

•   2021 Median Salary: $61,890

•   Requirements: High school diploma or equivalent; licensing exam

•   Job Description: Help clients buy, sell, or rent their properties.

•   Duties:

◦   Generating lists of properties for sale or rent and showing them to clients

◦   Advising clients on prices, mortgages, and market conditions

◦   Facilitating buyer/seller negotiations and final purchase or rental agreements

17. Respiratory Therapist

•   2021 Median Salary: $61,830

•   Requirements: Associate degree

•   Job Description: Provide care for patients having trouble breathing.

•   Duties:

◦   Examining patients and recording symptoms and conditions

◦   Consulting with physicians on treatment

◦   Performing diagnostic tests

18. Building Inspector

•   2021 Median Salary: $61,640

•   Requirements: High school diploma or equivalent

•   Job Description: Review building plans to ensure construction meets local and national regulations and ordinances.

•   Duties:

◦   Monitoring construction to ensure compliance

◦   Inspecting electrical and plumbing systems to ensure they are up to code

◦   Issuing violations for non-compliant work

19. Millwright

•   2021 Median Salary: $60,330

•   Requirements: High school diploma or equivalent

•   Job Description: Install, dismantle, repair, reassemble, and move machinery in factories, power plants, and construction sites.

•   Duties:

◦   Repair or replace malfunctioning equipment

◦   Clean, adjust, and calibrate new machinery

◦   Move machinery and equipment

20. Electrician

•   2021 Median Salary: $60,040

•   Requirements: High school diploma or equivalent; apprenticeship

•   Job Description: Install, maintain, and repair electrical power, communications, lighting, and control systems.

•   Duties:

◦   Identify and repair electrical problems

◦   Install wiring and equipment for electrical systems

◦   Ensure compliance with National Electrical Code

21. Plumber

•   2021 Median Salary: $59,880

•   Requirements: High school diploma or equivalent; apprenticeship

•   Job Description: Install and repair gas and water piping systems in homes, factories, and businesses.

•   Duties:

◦   Identify and repair plumbing problems

◦   Installing pipes and plumbing fixtures

◦   Clean drains, remove obstructions, and repair or replace broken pipes and fixtures

Recommended: Should I Sell My House Now or Wait

22. Mining Roof Bolter

•   2021 Median Salary: $59,770

•   Requirements: High school diploma or equivalent; moderate on-the-job training

•   Job Description: Operate machinery to install roof supporting bolts in underground mines.

•   Duties:

◦   Drill bolt holes into roofs

◦   Perform safety checks on bolting equipments

◦   Extract loose rock from bolting support

23. Broadcast, Sound, and Video Technician

•   2021 Median Salary: $49,050

•   Requirements: High school diploma or equivalent; moderate on-the-job training

•   Job Description: Operate and maintain electrical equipment used for television broadcast, radio programs, live concerts, and films.

•   Duties:

◦   Setting up and operating equipment

◦   Monitoring and adjusting audio and visual quality

◦   Repairing equipment and fixing recording issues

24. HVACR Technician

•   2021 Median Salary: $48,630

•   Requirements: High school diploma or equivalent; 6 months to 2 years at a trade school or community college that offers heating, air conditioning, and registration programs.

•   Job Description: Install and perform maintenance on heating, ventilation, cooling and registration systems for buildings and private residences.

•   Duties:

◦   Installing, testing, and repairing HVACR systems

◦   Replacing or repairing defective parts

◦   Conducting overall system maintenance and performance improvements

25. Masonry Worker

•   2021 Median Salary: $48,040

•   Requirements: High school diploma or equivalent; apprenticeship or on-the-job training

•   Job Description: Use brick, concrete, and natural and manmade stones to build structures, walls, or walkways.

•   Duties:

◦   Design blueprints and calculate materials needed

◦   Break or resize materials into required shape

◦   Align, construct and polish finished structures

Recommended: What is the Average Credit Card Limit

The Takeaway

Many trade jobs can offer competitive pay and job security, without a significant upfront educational cost. Moreover, they provide an opportunity to help make a difference by solving real world problems.

Choosing the right career path is an important step toward achieving your financial goals. It’s just as important to practice smart financial habits, like setting spending limits, staying on top of your credit score, and establishing long-term goals.

SoFi can help you track your money like a champion, with tools that make it easy to monitor your credit score, set up savings goals, and pay off debt sooner.

Get Started with SoFi

FAQ

What skilled trades are in demand?

According to the Bureau of Labor Statistics, medical sonographers, respiratory therapists, industrial machinery mechanics, security and fire alarm installers are expected to experience the greatest job growth over the next ten years.

What are some of the best trades to learn that pay well?

Transportation managers, elevator installers, nuclear power reactor operators, and radiation therapists all earn a median salary above $80,000.

What are high paying trade jobs that require no degree?

HVACR technicians, real estate agents, subway operators, and plumbers all pay above-average salaries and require no formal degree.

---

Photo credit: iStock/dima_sidelnikov

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

SORL0522008

Read more

People with introverted personality traits tend to prefer working independently instead of collaboratively with others. Thankfully, there are plenty of jobs that offer that environment, and many don’t require a college degree.

Introverts can find and excel in a variety of high-paying, low-stress jobs — if they know where to find them.

Why It Can Be Difficult for an Introvert to Find Work

Job postings almost never explicitly state “This job is great for introverts!” On the contrary, many job postings use buzzwords and phrases like “cross-collaboration,” “being a team player,” and “working in a fast-paced environment,” which can all be red flags for an introvert. This is because, unlike extroverts, introverts tend to seek out environments that don’t involve a lot of public speaking, group discussion, or collaboration. Instead, they prefer to work independently on tasks that play to their individual strengths and preferences in a more low-stress environment.

It’s a misconception that working remotely is a viable solution for every introvert, when in fact many remote jobs still require a good amount of virtual interaction and collaboration with others.

Recommended: Home Office Tax Deduction: How Does It Work?

What Makes the Ideal Job for an Introvert

According to conventional psychology, introverts prefer to spend time with just one or two people, rather than larger groups or crowds. They’re not necessarily loners; in fact, many introverts have highly acute social skills. However, introverts tend to gravitate toward situations and environments where they feel less pressure to react or respond quickly, or to engage with multiple people.

Therefore, an ideal job for an introvert allows them to:

•   Work independently

•   Work alone or in quiet spaces that allow them to think

•   Focus on one task at a time

•   Engage one-on-one instead of in large groups

Recommended: Small Business Loans for Women

What Kind of Work Does Not Fit an Introvert

Jobs that require a lot of collaborating with or presenting to large groups of people are generally not suited to people with introverted tendencies. Introverts tend to want to avoid group brainstorms or jobs that force them to regularly verbalize their thoughts and feelings to multiple people at once.

30 Jobs for Introverts Without a Degree

Finding a rewarding job as an introvert doesn’t necessarily require a college degree or a lot of deep exploration. You simply need to find jobs that suit your interests and cater to the personality traits of an introverted person.

Here are 30 jobs for an introvert that do not require a college degree, according to the Bureau of Labor Statistics:

1. Web Developer

•   2021 Average Salary: $77,210

•   Primary Duties: Design, code, and develop websites and oversee site performance and functionality.

2. Farmer or Rancher

•   2021 Average Salary: $73,060

•   Primary Duties: Oversee the production of crops, livestock, and dairy products.

3. Blogger

•   2021 Average Salary: $69,510

•   Primary Duties: Write original copy for personal or business websites.

Recommended: Small Business Loans

4. Plumber

•   2021 Average Salary: $59,880

•   Primary Duties: Install and repair piping fixtures.

5. Postal Service Mail Carrier

•   2021 Average Salary: $52,440

•   Primary Duties: Collect, sort, and deliver mail to businesses and private residences.

6. Craft Artist

•   2021 Average Salary: $49,960

•   Primary Duties: Create original works of art for sale and exhibition using a variety of materials.

7. HVACR Technician

•   2021 Average Salary: $48,630

•   Primary Duties: Assemble and repair heating, cooling, and ventilation systems.

8. Drywall Installer

•   2021 Average Salary: $48,350

•   Primary Duties: Cut and hang panels of wallboard inside buildings.

9. Delivery Truck Driver

•   2021 Average Salary: $48,310

•   Primary Duties: Pick up, transport, and deliver packages or goods from one location to another.

10. Carpenter

•   2021 Average Salary: $48,260

•   Primary Duties: Design, construct, and restore building structures and frameworks built from different materials.

11. Embalmer

•   2021 Average Salary: $47,780

•   Primary Duties: Prepare the bodies of the deceased for interment.

12. Paperhanger

•   2021 Average Salary: $47,610

•   Primary Duties: Cover interior walls or ceilings with decorative wallpaper or fabric.

13. Roofer

•   2021 Average Salary: $47,110

•   Primary Duties: Replace, repair, and install roofs on buildings and houses.

Recommended: Should I Sell My House Now or Wait

14. Surveying and Mapping Technician

•   2021 Average Salary: $46,910

•   Primary Duties: Collect data and take land measurements in order to create maps of the Earth’s surface.

15. Mechanic

•   2021 Average Salary: $46,880

•   Primary Duties: Inspect, repair, and maintain automobiles and other modes of transport.

16. Bookkeeper

•   2021 Average Salary: $45,560

•   Primary Duties: Produce and maintain financial records for businesses.

17. Transcriptionist

•   2021 Average Salary: $44,030

•   Primary Duties: Transfer words, text or voice recording into formal letters, reports or other documents.

18. Software Quality Assurance Tester

•   2021 Average Salary: $41,950

•   Primary Duties: Test software to identify problems and learn how the software works.

19. Animal Breeder

•   2021 Average Salary: $40,090

•   Primary Duties: Breed and raise a variety of animals that produce meat or material.

20. Photographer

•   2021 Average Salary: $38,950

•   Primary Duties: Produce, record, and potentially edit for personal or professional use.

21. Proofreader

•   2021 Average Salary: $38,716

•   Primary Duties: Read content and correct for spelling, punctuation, and grammatical errors.

22. Landscaper

•   2021 Average Salary: $35,240

•   Primary Duties: Maintain outdoor grounds through mowing, trimming, planting, watering, fertilizing, raking, and other methods.

23. Library Assistant

•   2021 Average Salary: $34,050

•   Primary Duties: Help librarians organize library materials, assist patrons, and perform other administrative tasks.

24. Animal Trainer

•   2021 Average Salary: $31,280

•   Primary Duties: Teach animals skills such as obedience, performance, riding, security, and assisting people.

25. Medical Transcription

•   2021 Average Salary: $30,100

•   Primary Duties: Transcribe voice recordings from physicians and nurses and convert them into written reports.

26. Floral Designer

•   2021 Average Salary: $29,880

•   Primary Duties: Design and arrange decorative displays using live, dried, or silk flowers.

27. Janitor

•   2021 Average Salary: $29,760

•   Primary Duties: Clean and sterilize buildings, schools, hospitals, and other commercial businesses.

28. Crematory Operator

•   2021 Average Salary: $29,610

•   Primary Duties: Perform cremations, including the preparation and transfer of the body post-service.

29. Hand Sewer

•   2021 Average Salary: $29,930

•   Primary Duties: Sew, reinforce, or finish manufactured items usually with needle and thread.

30. Notary

•   2021 Average Salary: $28,889

•   Primary Duties: Serve as an impartial witness for the purpose of signing documents or acknowledging legal signatures on documents.

Recommmended: Learn more about additional business websites here.

The Takeaway

Finding a low-stress job that doesn’t require a college degree isn’t impossible for an introvert. In fact, many high-paying and rewarding jobs are well-suited to the personality traits of an introverted person.

Introvert or not, everyone can benefit from better budget planning and tools that give you back control of your finances.

SoFi can help you track and manage your spending, monitor your credit score, and get financial insights.

FAQ

Is self-employment good for introverts with anxiety?

Jobs that are conducive to self-employment can be a good fit for introverts that get anxiety working within large teams or with multiple people. However, self-employment can also create stress if it requires you to find your own clients or manage a larger workload on your own.

What is a good job for someone with introverted qualities?

Jobs that allow you to work independently and in quiet, low-stress environments are generally better for introverts, who tend to prefer solitude or limited one-on-one interaction.

---

Photo credit: iStock/Wiphop Sathawirawong
SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

SORL0522024

Read more