Credit reports contain financial records of debts you owe and ones you’ve paid off. Positive information can remain on your credit reports indefinitely. Most negative information falls off your credit after seven years, though certain types of bankruptcy filings can remain longer.
Here’s a closer look at how financial records impact your credit reports.
How Long Do Inquiries Stay on a Credit Report?
When you apply for a loan, credit card, or line of credit the lender can perform what’s called a hard inquiry. This simply means that they pull copies of your credit reports, which they’ll use to make an approval decision.
Hard inquiries show up on a credit report and they’re included in your FICO® credit score calculations. Each new inquiry remains on your credit report for two years, according to FICO. However, they’re only considered in credit score calculations for the first 12 months.
Soft inquiries occur when you check your credit reports yourself or a company pulls your credit for the purposes of prequalifying or preapproving you for a loan. These inquiries won’t show up on a credit report, and they don’t have any impact on your credit score.
How Long Does Negative Information Remain on Your Credit Report?
Negative information on a credit report is any information that’s harmful to your credit score. What affects your credit score negatively? The list includes:
Generally, negative information can stay on your credit report for up to seven years. Chapter 7 and Chapter 11 bankruptcy, however, can stick around on your credit report for 10 years.
In terms of how negative items impact your credit score, age matters, according to FICO. Newer negative items, such as collections or late payments, have a more immediate impact on your scores than negative items that are several years old. A money tracker app makes it easy to track your credit and your money in real time so you can get ahead financially.
How Long Does Positive Information Remain on Your Credit Report?
Positive information can remain on credit reports indefinitely. Credit bureaus are not required to remove this information, though they may do so at the seven-year mark. Examples of positive information that can stay on a credit report, regardless of time, include:
• On-time payments
• Open accounts that have a $0 balance or a low balance, relative to your credit limit
• Closed accounts that you’ve paid in full
Positive items on a credit report are a good thing, since they help your credit scores. On-time payments and low balances on credit accounts have the biggest impact overall. Making biweekly payments or increasing your credit limits are two helpful ideas for how to lower credit utilization. Using a spending app to manage your budget and expenses can also help keep credit card balances low.
How to Remove Negative Information From Your Credit Report
Negative information that’s accurate cannot be removed from a credit report. For example, if you miss several payments on a loan but get caught up later, those late payments will stay on your credit reports until you hit the seven-year mark.
Inaccurate information, on the other hand, can be removed through the dispute process. Examples of inaccurate or incorrect items you could dispute on a credit report include:
• On-time payments that were not properly attributed to your account
• Credit accounts that don’t belong to you
• Paid-in-full accounts that still show a balance on your credit reports
• Account activity relating to fraudulent activity or identity theft
You’ll need to dispute the inaccurate information with the credit bureau that reports it. All three credit bureaus — Equifax, Experian, and TransUnion — allow you to initiate credit report disputes online. You’ll need to fill out a dispute form and provide some details about the dispute.
Once the credit bureau receives the dispute, it’s required to investigate your claim and return a decision to you promptly. If the credit bureau finds that there’s an error on your reports, it’s legally required to remove or update the information.
Your credit score updates monthly for the most part. Enrolling in credit score monitoring can make it easier to track changes, including changes to your score following a dispute.
Do You Still Have to Pay a Debt If It Fell Off Your Credit Report?
A debt can fall off your credit report if enough time passes. However, the amount owed doesn’t go away. Creditors and debt collectors could still attempt to get you to pay if the statute of limitations hasn’t passed.
The statute of limitations on debt allows creditors and debt collectors a set window of time in which to sue you for an unpaid balance. Each state determines how long the statute of limitations applies but in all states, its expiration doesn’t remove your legal obligation to pay what you owe.
Should you pay old debts? Ethically, yes. But if a debt falls off your credit report and the statute of limitations has expired, it would be very difficult for a creditor to force you to pay via a lawsuit.
The Takeaway
Reviewing your credit reports regularly is a good way to see what’s helping or hurting your score at any given time. If you have negative items on your credit report, you might see your score drop, but those points can come back with the passage of time.
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FAQ
What stays on a credit report forever?
Positive information can stay on a credit report forever, as credit bureaus are not required to remove any items that help your credit score. However, credit bureaus can choose to remove positive information after seven years.
Can credit information stay on my credit report for over 7 years?
Credit information can stay on your credit report for over seven years if it’s positive. Generally, negative information cannot stay on your report for more than seven years, unless you file for Chapter 7 or Chapter 11 bankruptcy. In that case, the bankruptcy filing could stay on your report for 10 years.
Do old accounts fall off a credit report?
Old accounts can fall off your credit report after seven years if they have negative information. Positive information from old accounts or newer ones can stay on your credit reports indefinitely.
About the author
Rebecca Lake
Rebecca Lake has been a finance writer for nearly a decade, specializing in personal finance, investing, and small business. She is a contributor at Forbes Advisor, SmartAsset, Investopedia, The Balance, MyBankTracker, MoneyRates and CreditCards.com. Read full bio.
Photo credit: iStock/PeopleImages
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A four-year college degree is a minimum requirement for many jobs, and more education can translate to higher earnings. It’s possible, however, to find jobs that make good money without college.
When comparing good jobs you can get without college experience, it’s helpful to consider earning potential and the skills you might need.
• Many high-paying jobs don’t require a college degree, offering opportunities in fields like healthcare, transportation, and law enforcement.
• Technical education, military training, or on-the-job experience can substitute for a degree in some industries.
• Jobs such as air traffic controller, dental hygienist, and radiation therapist offer solid earning potential without a four-year degree.
• Some roles, like commercial diver and court reporter, provide flexibility and freelance opportunities.
• Consider industry demands, skills, and potential trade-offs when seeking good-paying jobs without a college degree.
Definition of a Good-Paying Job
There is no standard benchmark for what constitutes a good-paying job. According to the Bureau of Labor Statistics (BLS), the average annual wage in October 2024 was $60,580. That’s across all occupations, regardless of education level.
Whether that’s a good-paying job for you depends partly on your lifestyle. Some people can live comfortably on $60,000 or less, while others might struggle. A single person living in an area with a low cost of living may feel rich. But someone supporting a spouse and children in a high-rent area could easily disagree.
Jobs that don’t require college can pay more or less than $100,000, depending on the industry. (A spending app can help you stay on top of your financial situation once you the paychecks start rolling in.) But perhaps a better question is what kind of trade-offs are involved in working a good-paying job, in terms of time commitment and flexibility.
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Good-Paying Jobs vs Highest-Paying Jobs
The highest-paying jobs have a median pay of around $200,000 a year, according to the BLS. People who work in the highest-paying jobs may require advanced education, certifications, or specific job skills.
Does that mean good-paying jobs aren’t worth considering? Not at all. The highest-paying jobs can also be some of the most stressful jobs. Many of the highest-paying jobs are in the healthcare field, which can require long hours, dealing with emotional or mental stress, and working in potentially hazardous surroundings.
Good-paying jobs can still pay the bills, even if you don’t make a $100,000 salary. And the job itself may be less stressful and allow for more work-life balance, which some people prefer over a bigger paycheck.
Pros and Cons of Jobs That Don’t Require a College Degree
As with all jobs, better paying ones have advantages and disadvantages. Whether it makes sense for you to consider jobs that make good money without college can depend on your financial and career goals.
Here are some of the main pros and cons to weigh when deciding whether to pursue a good-paying job and forgo college.
Pros
Cons
Avoid the potentially high costs associated with a four-year degree
Some employers are reluctant to hire candidates who don’t have a degree
Finding good jobs without a college degree is often difficult because many employers have come to expect that job candidates will have a bachelor’s degree at a minimum. Additionally, many professions require four-year college degrees to be considered for entry-level positions.
There are lots of jobs you can get without a degree, or with an associate degree, but they may not pay as well as jobs that do require higher education. A college degree can make you a more attractive candidate for a position because it demonstrates to employers that you’ve taken steps to prepare for a successful career.
Does a four-year college degree or higher guarantee that you’ll be successful or make a lot of money? No, and some industries that require a degree pay very little. That’s another reason to consider good jobs that pay well without college being a requirement.
Tips for Finding Jobs Without a College Degree
If you’re interested in getting good-paying jobs without college, it’s important to do your homework. Specifically, it’s helpful to understand:
• Which industries or career fields generally require a degree and which ones don’t
• What skills, experience, or expertise may be substituted for a college degree when searching for good-paying jobs in specific industries
• Whether it may be to your advantage to get an associate degree or a postsecondary non-degree certification
• What is competitive pay for any good-paying jobs you’re interested in, based on industry standards and trends
You should also consider the types of jobs you’re interested in. If you’d like to do something hands-on, for instance, then you may be curious about what trade makes the most money and whether you’ll need an associate degree to enter that field.
Or if you’re the introverted type, you might be focused on finding the best paying jobs for antisocial people that don’t require a degree.
Wondering which jobs pay the most without a college degree? We analyzed BLS data to find good-paying jobs that don’t need a four-year degree and compiled the following list based on:
• Median annual pay
• Minimum education level required (high school diploma or equivalent, postsecondary non-degree award, or associate degree)
• Expected job growth through 2033
Read on for 25 good-paying jobs you can get without college.
1. Makeup Artist, Theatrical and Performance
Median pay: $68,590/year
Job growth outlook: 9%
Job description: Makeup artists apply cosmetic and special-effects makeup to performers in theatrical and other entertainment settings.
Job duties and requirements:
• Create and apply makeup looks to performers
• Complete touch-ups as needed to keep makeup looking fresh throughout the performance
• Postsecondary non-degree award is usually required
How to get started: Makeup artists may attend cosmetology school or earn professional certifications in makeup artistry before applying for jobs. Some artists, however, are self-taught and start their careers by showcasing their makeup skills on TikTok or other social media.
Pros:
• Makeup artists can make excellent money without a college degree
• This is a highly creative job that often involves meeting new people
• Makeup artistry can offer flexible hours and opportunities to travel
Cons:
• Higher pay isn’t guaranteed
• Work environments can sometimes be harsh, and artists may be subject to criticism
• Not ideal for people who aren’t comfortable in a fast-paced work environment
2. Commercial Pilot
Median pay: $171,210/year
Job growth outlook: 5%
Job description: Commercial pilots fly planes and other aircraft, and can work for major airlines, charter companies, or private individuals.
Job duties and requirements:
• Operate flight equipment to safely transport cargo or passengers
• Check the condition of the aircraft prior to takeoff
• Associate degree and on-the-job training may suffice for pilots who don’t plan to fly for major airlines
How to get started: Flight training and FAA certification are essential for commercial pilots. On-the-job training may be substituted for an associate or a bachelor’s degree.
Pros:
• Commercial pilots can make a lot of money, even without a degree
• Pilot jobs offer opportunities to travel to new places
• Work can be flexible
Cons:
• Requires extensive flight and on-the-job training
• Flying for a living is generally a higher-risk occupation
• Private pilots may have to contend with demanding clients
3. Air Traffic Controller
Median pay: $137,380/year
Job growth outlook: 3%
Job description: Air traffic controllers help to guide aircraft from one destination to another. They can work at major airports or smaller airfields.
Job duties and requirements:
• Monitor the movement of aircraft in the air and on the ground
• Communicate with pilots during takeoff, while in-flight, and during the landing
• Sufficient work experience and on-the-job training
How to get started: If you’re interested in becoming an air traffic controller, you’ll need to first meet the minimum requirements. Typically, that means at least three years of work experience, a mix of work experience and education, or training through an FAA-approved program.
Pros:
• Air traffic control jobs can pay exceptionally well
• A college degree isn’t always required if you have appropriate work experience or training
• Job growth is not spectacular but demand is expected to hold steady
Cons:
• High-pressure job
• May require working long hours, including weekends and holidays
• Room for advancement may be limited
4. Nuclear Technician
Median pay: $101,740/year
Job growth outlook: -6%
Job description: Nuclear technicians work in nuclear facilities to assist physicists, engineers, and professionals in maintaining those facilities and conducting nuclear research.
Job duties and requirements:
• Monitor nuclear facility equipment
• Measure levels of radiation and collecting air, soil, and water samples to test for contamination
• Associate degree or equivalent military service
How to get started: Anyone interested in working as a nuclear technician may first want to obtain an associate degree in nuclear science or a related field. Job applicants may be able to substitute military experience for an associate degree if they had nuclear training while enlisted.
Pros:
• Nuclear technicians can be compensated well for their time and skills
• An advanced science degree is not necessarily a requirement
• Nuclear tech jobs may offer opportunities to work independently
Cons:
• Working in a nuclear facility is generally a high-risk job
• Job outlook is declining, which means there may be fewer nuclear technician jobs to go around in the future
• Advancement opportunities may be limited without a higher degree
5. First-Line Supervisor of Police and Detectives
Median pay: $101,750/year
Job growth outlook: 4%
Job description: First-line supervisors are responsible for overseeing the conduct of subordinate officers, managing investigations, and ensuring that all law enforcement protocols are properly applied.
Job duties and requirements:
• Assist in criminal investigations as needed
• Manage daily operations of police and detective personnel
• High school diploma or equivalent
How to get started: Becoming a first-line supervisor begins with completing the necessary training to become a police officer. That usually means attending the police academy. Once hired as a rookie officer, individuals can work their way up the ranks to a supervisory position.
Pros:
• First-Line supervisors can earn a salary that’s close to six figures
• High school education may be enough to get started in a law enforcement career
• It can take years to work your way up to a supervisor position
• Police work in general tends to be a dangerous profession
6. Transportation, Storage, and Distribution Manager
Median pay: $99,200/year
Job growth outlook: 9%
Job description: Managers are responsible for planning and coordinating transportation, storage, and distribution services or activities. Logistics manager is one job title that can fall under this occupational heading.
Job duties and requirements:
• Oversee and organize operations related to the transportation, storage, and distribution of movable goods or commodities
• Ensure that all activities are completed in accordance with local, state, and federal law
• High school diploma or equivalent, plus relevant work experience
How to get started: Since this is a managerial role, it’s generally necessary to start off in an entry-level position in the transportation, storage, and distribution industry. On-the-job training and experience, as well as time on the job, can be key in earning advancement with this type of job.
Pros:
• Suitable for organized and detail-oriented individuals
• Well-above-average earning potential
• Industry is experiencing above-average job growth
Cons:
• May require long working hours
• Can be a high-pressure job
• Certain aspects may be more challenging, including working with a wide range of customers
7. Elevator and Escalator Installer and Repairer
Median pay: $102,420/year
Job growth outlook: 6%
Job description: Elevator and escalator installers and repairers assist with the installation, maintenance, and repair of elevator and escalator systems in commercial and residential properties.
Job duties and requirements:
• Develop and implement plans for elevator or escalator installation
• Maintain, service, and repair elevator and escalator equipment
• High school diploma or equivalent
How to get started: The typical path to becoming an elevator and escalator installer and repairer begins with completing an apprenticeship. Apprentices may join a program approved by a union or trade industry to learn the necessary skills.
Pros:
• No advanced degree needed to get started
• Great earning potential for high school grads who are interested in a hands-on technical job
• While job growth is slower than for other occupations, there continues to be high demand for workers with these skills
Cons:
• May need to work on-call, which can complicate work-life balance
• Elevator installers and repairers generally need to be comfortable working in close or cramped conditions
• The work can sometimes be hazardous
8. Power Plant Operator, Distributors, and Dispatchers
Median pay: $100,890/year
Job growth outlook: -8%
Job description: Power plant operators, distributors, and dispatchers oversee systems that generate and distribute electric power. Nuclear power reactor workers can also fall within this job category.
Job duties and requirements:
• Control and maintain equipment that’s used in power generation
• Routinely conduct safety checks to ensure equipment is functioning properly
• High school diploma or equivalent and on-the-job work experience
How to get started: A college degree is not required to work as a power plant operator, though it may benefit you to have an educational background in engineering or a related field. This job emphasizes extensive on-the-job training, though it’s possible you may need to obtain certain professional certifications for career advancement.
Pros:
• No degree is needed to qualify for this job
• Much of what you need to know can be learned on the job
• Power plant operators earn a competitive salary
Cons:
• Can involve hazardous working conditions
• May require working long hours or on-call
• Job growth is on the decline as use of renewable energy increases
9. Radiation Therapist
Median pay: $98,300/year
Job growth outlook: 3%
Job description: Radiation therapists administer radiation to people being treated for cancer and may work hand-in-hand with medical dosimetrists, medical physicists, and oncology nurses.
Job duties and requirements:
• Explain treatments to patients and answer any questions they might have
• Administer doses of radiation in a safe environment and at the levels specified by the patient’s treatment plan
• Associate degree or certificate program
How to get started: If you’re interested in a career in radiation therapy, you may need an associate degree in nursing or a certificate in nursing to qualify. State law may also require you to be licensed or certified and complete ongoing education requirements.
Pros:
• Earning potential is solid, and there may be room for advancement
• Demand for radiation therapists appears to be holding steady
• Good for people with strong soft skills
Cons:
• May require working long hours
• Can involve a lot of standing
• Working with people who are severely ill can take a toll emotionally and mentally
10. Subway and Streetcar Operator
Median pay: $84,270/year
Job growth outlook: 4%
Job description: Subway and streetcar operators are responsible for the safe operation of subway trains, streetcars, and similar methods of transportation in compliance with local, state, and federal laws.
Job duties and requirements:
• Operate subway or elevated trains or streetcars to convey passengers from one location to another
• Some subway or streetcar operators may be charged with collecting fares
• High school diploma or equivalent and on-the-job experience
How to get started: You’ll need a high school diploma or GED to apply for subway or streetcar operator jobs. That’s typically sufficient to get most entry-level positions and from that point on, you’ll largely learn what you need to know to do the job through hands-on training and experience.
Pros:
• Pay scale is great for a job with no degree
• Not required to sit at a desk all day
• Working hours may be flexible
Cons:
• May involve dealing directly with the public
• There is some risk, as subway and streetcar accidents can happen
• No hard physical labor but may be mentally and emotionally draining
11. Signal and Track Switch Repairer
Median pay: $82,710/year
Job growth outlook: 2%
Job description: Signal and track switch repairers are responsible for keeping track switch systems used on rail lines functioning properly. They primarily work within the railroad system, though they may also be employed by state and local government agencies.
Job duties and requirements:
• Install and inspect track switches and signal equipment
• Test, maintain, and repair gate crossings along railroad lines
• High school diploma or equivalent and on-the-job training
How to get started: Getting an associate degree in electrical repair could give you an edge if you’re interested in getting hired as a signal and track switch repairer. However, it’s possible to break into this field with just a high school diploma because much of what the job requires is learned in a hands-on way. Completing an apprenticeship with an electrician could also be helpful.
Pros:
• No degree is required to enter this industry, though it’s something to consider
• Room for advancement
• Above-average pay
Cons:
• Generally requires good communication skills
• Work has the potential to be hazardous
• May require working on-call hours or long shifts
12. Postmaster and Mail Superintendent
Median pay: $88,670/year
Job growth outlook: -3%
Job description: Postmasters and mail superintendents oversee the operation of postal service branches and offices. This is technically not a federal job, but postal workers are entitled to the same benefits as federal employees.
Job duties and requirements:
• Plan, direct, and coordinate administrative, operational, management, and support services at U.S. post office locations
• Oversee the activities of employees working at post office branches
• High school diploma or equivalent and on-the-job training
How to get started: If you’re interested in postal service jobs, you can apply for them online through the post office website. You’ll need to complete the Postal Battery Exam, but no degree or prior experience is required in order to get hired. This could be a good way to continue working after retirement.
Pros:
• Room for advancement
• Competitive pay and great benefits, including paid leave and health insurance
• Full-time postmasters generally have weekends off
Cons:
• Seasonality can make this job more hectic at certain times of the year
• May involve dealing with the public from time to time
• Job growth is on a slight decline, though there continues to be demand for postal workers
13. First-Line Supervisor of Firefighting and Prevention Workers
Median pay: $86,220/year
Job growth outlook: 4%
Job description: First-line supervisors oversee the activities of firefighting and prevention workers. They’re responsible for coordinating the operation of fire departments and may be referred to as a fire chief or fire captain.
Job duties and requirements:
• Respond to fire calls and assign firefighters specific tasks to extinguish fires and rescue persons who may be trapped in affected buildings
• Assess fire damage and write reports summarizing fire calls
• Postsecondary non-degree certificate and on-the-job training
How to get started: A high school diploma may be sufficient to apply for a firefighter job, though it may benefit you to earn a degree in fire science if you’re hoping to obtain a managerial or supervisory role. You’ll need to be physically fit, attend fire academy, and complete a written exam as part of the application process.
Pros:
• Opportunity to give back to your local community and do work that’s rewarding
• Solid earning potential with room for advancement
• Firefighting jobs include a solid employee benefits package
Cons:
• Can involve working long hours and on-call hours, which can make achieving work-life balance difficult
• Job may be physically demanding
• Firefighting can also be mentally and emotionally taxing
14. Dental Hygienist
Median pay: $87,530/year
Job growth outlook: 9%
Job description: Dental hygienists typically work in dental offices and perform basic preventative care for patients, including visual exams and cleanings. They may work on a part-time or full-time basis.
Job duties and requirements:
• Perform dental cleanings and take X-rays
• Educate patients on proper dental hygiene techniques
• Associate’s degree and licensing, when required by the state
How to get started: High school graduates who have taken courses in health or science may have a good framework for pursuing an associate degree in dental hygiene or enrolling in a dental hygiene training program. Licensing and certification may be required by the state before you can work in a dentist’s office.
Pros:
• May offer the flexibility of part-time or full-time work
• Potentially a great job for people who enjoy interacting with others
• Dental hygienists typically have nights and weekends off
Cons:
• Some patients may be more challenging to work with than others
• May require lots of standing and bending, which can take a toll physically
• Training and licensing can take time and money to complete
15. Police Officer and Detective
Median pay: $74,910/year
Job growth outlook: 4%
Job description: Police officers enforce the law and protect people and property. Detectives investigate crimes, which can include collecting evidence, interviewing witnesses and potential suspects, and testifying in criminal court cases.
Job duties and requirements:
• Police officers respond to emergency and non-emergency calls, patrol assigned areas, make arrests, and execute search warrants
• Detectives investigate crimes in order to identify victims and suspects, and collect evidence for cases that may be referred for prosecution
• High school diploma or equivalent and on-the-job training
How to get started: A high school diploma may be all you need to apply for police officer training at a local accredited academy. Some departments may require an associate or bachelor’s degree. You’ll need to be physically fit and successfully complete a psychological evaluation.
Pros:
• Opportunity to serve in your local community and give back
• Room for advancement, particularly if you’re interested in detective work or a supervisory role
• Opportunities for specialization if you’re interested in becoming a game warden or eventually pursuing a career in federal law enforcement
Cons:
• Entry-level pay may be on the lower end
• While a degree is not necessarily required, getting hired can be a rigorous process
• Work involved can be mentally, emotionally, and physically taxing, and in some cases dangerous
16. Aircraft and Avionics Equipment Mechanic and Technician
Median pay: $75,400/year
Job growth outlook: 5%
Job description: Aircraft and avionics equipment mechanics and technicians maintain and repair aircraft. They can work at airports, repair stations, or hangars, and some may have previous experience serving planes in the military.
Job duties and requirements:
• Diagnose mechanical or electrical problems with aircraft and make repairs
• Test aircraft instruments to ensure that they’re in good working order
• High school diploma, though an associate’s degree doesn’t hurt
How to get started: People who are interested in working in avionics may be able to enter the field with just a high school diploma, though some employers may look for an associate degree or higher. Technicians may need to complete FAA-approved training.
Pros:
• The work itself might be interesting to someone who’s fascinated with planes or mechanical engineering
• Above-average pay
• Job growth outlook suggests that these jobs will continue to be in demand
Cons:
• Working around airplanes and other aircraft can lead to hearing loss
• FAA certification is required, which can take time to complete
• Work schedules may be less flexible than other jobs
17. Claims Adjuster, Examiner, Appraiser, and Investigator
Median pay: $75,020/year
Job growth outlook: -5%
Job description: Claims adjusters, examiners, appraisers, and investigators handle various aspects of insurance claims filings. They typically work full-time and help insurance companies decide when to pay claims, based on the information they gather.
Job duties and requirements:
• Investigate, evaluate, and settle insurance claims, including determining how much an insurer should pay
• Review claims information to look for signs of insurance fraud
• High school diploma or equivalent
How to get started: If you’re interested in insurance jobs, the path you follow can depend on what type of role you’re interested in. If you’d like to be an appraiser, for instance, you might complete a postsecondary non-degree award program and gain experience by working in an auto body shop.
Pros:
• While job growth is expected to decline, demand for adjusters and related roles is set to rise as currently employed professionals age into retirement
• Depending on which role you’re interested in, your work may take you outside the office versus keeping you at a desk all day
• Work may be interesting for people who have an inquisitive nature
Cons:
• Gathering information and writing reports can be tedious
• A bachelor’s degree may be required for certain jobs
• Work schedules may be less flexible than other jobs
18. Fire Inspector
Median pay: $71,420/year
Job growth outlook: 6%
Job description: Fire inspectors are responsible for visiting commercial and residential buildings and ensuring that they’re observing proper fire safety protocol. They can also specialize in fire prevention education or forest fire management.
Job duties and requirements:
• Inspect buildings to look for fire hazards and ensure that structures are aligned with local, state, and federal fire codes
• Review building plans with developers to ensure that new construction meets fire code standards
• High school diploma or equivalent and previous experience as a firefighter
How to get started: Typically, fire inspectors first work as firefighters, though that isn’t necessarily a requirement for candidates who have other suitable education or training. A high school diploma may be sufficient for the job, though it may benefit you to earn a degree in fire science or attend a fire academy.
Pros:
• Fire inspection is typically less hazardous than firefighting
• Above-average pay with room for higher earnings if you decide to complete a degree program
• Can be a rewarding job for people who want to do work that serves the public good
Cons:
• Previous experience as a firefighter may be a requirement to get hired
• Working hours may be long and irregular
• Fire inspectors may potentially be exposed to hazardous materials or substances during the course of their work
19. Water Transportation Worker
Median pay: $64,930/year
Job growth outlook: 3%
Job description: Water transportation workers operate vessels that transport goods or people over bodies of water. Ferry operators, barge operators, and ship captains are all examples of water transportation workers.
Job duties and requirements:
• Operate and maintain marine vessels in accordance with local, state, and federal laws
• Ensure the safety of people or cargo on board marine vessels
• High school diploma or equivalent and relevant work experience
How to get started: There are different requirements for each type of water transportation role. Sailors, for instance, typically don’t need formal education, but you might need Coast Guard-approved training to captain a ship or helm a barge. Certain water transport workers may need to obtain Merchant Mariner credentials or Transportation Worker Identification credentials.
Pros:
• Water transport jobs may appeal to people who love being on open water or want to work outdoors
• A bachelor’s degree isn’t always necessary but it could lead to higher earnings and promotions
• More new openings are expected over the next decade as existing water transport workers retire
Cons:
• Work schedule may be highly irregular and require you to spend extended periods of time away from home
• Work hours may be long, with little time for breaks
• Operating marine vessels can be a hazardous occupation
20. Electrical and Electronics Installer and Repairer
Median pay: $67,220/year
Job growth outlook: 1%
Job description: Electrical and electronics installers get paid to install and repair electrical or electronic equipment. They may work in repair shops or factories and usually work on a full-time basis.
Job duties and requirements:
• Inspect and test equipment to diagnose potential issues
• Disassemble, reassemble, clean, and repair equipment
• Training and education at the trade school level
How to get started: Electrical and electronics installers and repairers are typically expected to complete a training program through a trade, vocational, or technical school. Hands-on training, either through a school program or apprenticeship, can also be highly useful when seeking these types of jobs.
Pros:
• No bachelor’s degree required
• Could be ideal for people who enjoy hands-on work
• Licensing and certification may not be required, but it could help to open up opportunities for advancement or higher earnings
Cons:
• Job growth is stable but not spectacular
• Working around electricity and electronics is not a risk-free job
• Can be a physical job that requires lots of standing, squatting, bending, and lifting
21. Occupational Therapy Assistant and Aide
Median pay: $65,450/year
Job growth outlook: 21%
Job description: Occupational therapy assistants and aids work in healthcare settings, including hospitals, doctor’s offices, and nursing care facilities. They help patients to develop necessary skills for daily living and working.
Job duties and requirements:
• Occupational therapy assistants provide therapy services to patients
• Occupational therapy aides provide support services to occupational therapy assistants
• High school diploma for aides; associate degree for assistants
How to get started: If you’re interested in becoming an occupational therapy assistant aide, then a high school diploma may be all you need. You could pursue an associate degree if you’d like to advance into an occupational therapy assistant role. Certifications in CPR and basic life support may also be required for these types of jobs.
Pros:
• One of the fastest-growing jobs in healthcare with excellent demand for qualified candidates
• Great earnings potential for people with a high school diploma
• May allow for travel or flexible work schedules
Cons:
• Can be a physically demanding job
• Flexible working hours are not always guaranteed, and you may need to work nights or weekends
• Certain patients may be more challenging to care for than others
22. Court Reporter and Simultaneous Captioner
Median pay: $63,940/year
Job growth outlook: 2%
Job description: Court reporters transcribe official court proceedings, including trial proceedings, hearings, and depositions. Simultaneous captioners provide transcription services for video recordings that require closed captioning.
Job duties and requirements:
• Court reporters attend court proceedings and transcribe the details word-for-word
• Captioners transcribe dialogue for video recordings, including television shows and films, that are used to create captions for viewers
• Certificate or associate degree
How to get started: Becoming a court reporter or captioner may start with completing a certificate or associate degree program at an accredited trade school. Court reporters may need to complete additional training to learn how to use transcription software. States may require certification or licensing for court reporters and captioners.
Pros:
• Good-paying job for people without a four-year degree
• Opportunities exist to do court transcription or captioning work on a freelance basis
• While job growth is steady, rather than fast, demand is stable overall
Cons:
• Work may involve sitting for long periods of time
• Working hours may be long and might necessitate taking work home with you
• Could be stressful as there’s no room for errors or mistakes
23. Telecommunications Equipment Installer and Repairer
Median pay: $62,350/year
Job growth outlook: -3%
Job description: Telecommunications and equipment installers and repairers are responsible for installing, maintaining, and repairing telecommunications equipment, including phone lines, cable lines, and wireless communication equipment.
Job duties and requirements:
• Install telecommunications equipment in commercial and residential structures
• Inspect, service, and repair telecommunications equipment
• Certificate or associate degree
How to get started: Telecom equipment installation and repair jobs typically require some form of education beyond high school. Depending on the employer, that might mean a certificate or associate degree. Once hired, you can expect to complete on-the-job training.
Pros:
• May involve travel or working in different settings, which is great for people who get bored easily
• Salaries are above-average, with room to advance and increase earnings
• Affords opportunities to meet new people and flex your problem-solving skills
Cons:
• Average salaries are not as high as what you might get with other good-paying jobs that don’t require college
• Additional education may be required for certain jobs
• This kind of work has the potential be dangerous; for example, there is a risk of falls associated with servicing cell phone towers
24. Commercial Diver
Median pay: $61,300/year
Job growth outlook: 8%
Job description: Commercial divers can work in a number of capacities, but generally they’re paid to use their scuba skills. For example, divers employed by the oil and gas industry may be charged with inspecting underwater drilling structures to check for damage or structural issues.
Job duties and requirements:
• Some commercial divers are paid to inspect and repair underwater structures and equipment
• Other commercial divers may earn a living by photographing marine life
• Postsecondary non-degree award and scuba training
How to get started: Becoming a commercial diver starts with deciding what type of work you want to do. For instance, if you want to get paid to photograph marine life, then you may want to complete a photography certificate program at an accredited school. If you’re interested in using your diving skills to repair underwater structures, then you may need to learn a specialized skill like welding.
Pros:
• Diving for a living can be a fun job for people who like being in the water
• Advanced education or training may not be a requirement for entry-level jobs
• Diving jobs can offer flexibility and great earning potential
Cons:
• Can be physically demanding
• Work may not always be steady or consistent if you’re hired as a contract worker. Use a money tracker app to manage your income and budgets between paychecks.
• Diving is an inherently dangerous activity
25. Drafter
Median pay: $62,530/year
Job growth outlook: -1%
Job description: Drafters use software programs to convert engineering and architectural designs into technical drawings. They may work in a variety of fields, including architecture, engineering, manufacturing, and construction. This could be a lucrative work-at-home job for retirees.
Job duties and requirements:
• Use Computer Aided Design (CAD) software to design plans, working from sketches done by architects or engineers
• Specify dimensions and materials for new building projects
• Certificate, diploma, or associate degree
How to get started: Drafters may continue their high school education by attending a trade school to obtain a certificate or associate degree. They may also opt to obtain certifications in their field, though that isn’t always necessary to get hired.
Pros:
• Drafting may be a good career for someone who’s artistic or creative
• Getting certification or earning a four-year degree could boost your earning potential
• Job growth is projected to slow but there will still be demand for drafters as current employees retire
Cons:
• Requires exceptional attention to detail with no room for error
• Economic disruptions, such as recessions, may reduce demand for drafters if construction slows
• Certain aspects of the job can be repetitive or tedious
Finding a good paying job without college is possible. Some require technical education, military training, or on-the-job experience. Industries that welcome high school grads include transportation, law enforcement, power plants, telecoms, the postal service, and healthcare. Perks can include the opportunity to travel and flexible hours. Some jobs pay more than $100K.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
What good jobs can you get if you don’t go to college?
Some good-paying jobs you can get without college include air traffic controller, law enforcement, and certain healthcare roles. Trade jobs and jobs in transportation can also pay well and don’t necessarily require a college degree.
How can I get 6 figures without going to college?
If you’re interested in making six figures without a college degree, you’ll need to either find a good-paying job or start a successful business. It’s possible to make six figures online as a freelance writer or blogger, if you have good writing skills and are motivated to grow your business.
How do people make a living without a college degree?
Plenty of people make a living without a college degree by using their skills and experience to land good-paying jobs. Others can earn a good living, including making six figures a year, by starting their own business, which doesn’t necessarily require a degree.
About the author
Rebecca Lake
Rebecca Lake has been a finance writer for nearly a decade, specializing in personal finance, investing, and small business. She is a contributor at Forbes Advisor, SmartAsset, Investopedia, The Balance, MyBankTracker, MoneyRates and CreditCards.com. Read full bio.
Photo credit: iStock/MesquitaFMS
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.
Ever wondered if location makes a difference in the size of your paycheck? New Yorkers on average earn an annual salary of $74,870, according to a Forbes analysis of data from the Bureau of Labor Statistics (BLS). For perspective, the average annual salary in the U.S. is $63,795 according to the national average wage index.
Here’s a deeper dive into the average salary in New York by age and location.
Average Salary in New York by Age in 2024
The average income by age in New York increases with age until people hit their mid-60s. Adults under 25 earn an average annual salary of $39,366, while those in the 25 to 44-year-old range pull in an average income of $85,570. Workers in the 45- to 64-year-old range earn the most, with average annual pay of $88,827.
That makes sense, given that most people don’t reach their highest-earning years until their 40s. The average salary in New York by age drops to $51,837 for those 65 and older, which can be attributed to more people leaving the workforce to retire or cutting back on the number of hours worked.3
Using a money tracker can help you stay on top of your income and expenses through every stage of your earnings journey.
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If you’re using a budget planner app to keep a close eye on your finances, your choice of hometown can make a difference in how far your money goes. Here’s a comparison of the top 10 highest-earning cities in New York, according to ZipRecruiter.
City
Annual Salary
Queens
$103,148
Islip
$101,069
Albany
$99,106
Monroe
$98,563
Bronx
$96,858
Brooklyn
$96,659
Deer Park
$95,266
Vernon
$94,513
Oyster Bay
$93,458
Borough of Queens
$92,914
In these cities, the average monthly salary in New York ranges from $8,595 at the high end to $7,742 at the low end. By comparison, the average salary in the U.S. breaks down to $5,316 monthly.
What’s considered a good entry-level salary or annual salary in New York can vary by county. Here’s a look at the average salary for 10 counties across the state, according to BLS data.
County
Annual Salary
New York
$157,465
Westchester
$95,004
Albany
$79,768
Nassau
$78,312
Saratoga
$68,640
Erie
$66,300
Richmond
$65,884
Kings
$60,476
Oneida
$60,008
Broome
$59,332
Examples of the Highest-Paying Jobs in New York
The highest-paying jobs in New York pay well over $100,000 annually, with some of the best-paying jobs topping $200,000 in yearly salary on average. Even the top 100 highest-paying jobs offer an entry-level salary in the six-figure range.
Have your sights set on landing a six-figure salary job? Some of the most lucrative job titles in New York, according to Zippia, include:
• Finance Services Director: $226,494
• Hospitalist Physician: $215,888
• President/Chief Executive Officer: $201,998
• Executive Vice President: $192,649
• Internal Medicine Physician: $192,457
• Chief Administrative Officer: $188,629
• Operator and Truck Driver: $185,868
As you can see from this list, many of the highest-paying jobs in New York are in the business and medical fields, though some may be good jobs for introverts. Your average earnings can depend on your years of experience, education, and chosen career path.
The Takeaway
Understanding the average income by age, for New York or any other state, can give you an idea of how you compare to other workers. It’s important to remember, however, that earning six figures or more isn’t an automatic guarantee that you’ll be financially secure. Student loan debt, high housing costs, and inflation can test just how far your money goes.
If you’re working your way up the career ladder while paying down debt and focusing on savings, your net worth may be a better metric to track. You can use a net worth calculator by age to see where you should be, compared to people in your age range. If you’re ahead, then you know your financial plan is working. And if you’re behind, you can work out a strategy for getting caught up.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
What is a good average salary in New York?
A “good” average salary in New York state depends on the cost of living in your city or county and your spending habits. Your marital status can also make a difference. A single person living in New York City might be able to live comfortably on $70,000 a year, while a couple with two kids may need $300,000 a year in salary to cover expenses.
What is the average gross salary in New York?
The average New Yorker earns an annual salary of $74,870. That’s nearly $15,000 more per year than the average worker in the U.S. earns.
What is the average income per person in New York?
The average income per capita in New York is $47,173. This number is below the average salary figure for New York overall, as per capita income counts all people, including those who are not working or earning income.
What is a livable wage in New York?
A livable wage for a single person with no children in New York is $26.60 per hour. If you assume a 40-hour workweek and 50 weeks of work per year, with two off for vacation, that adds up to $53,200 per year. Meanwhile, to earn a livable wage, a married couple with two kids would need $33.53 per hour if both parents work, or $46.47 per hour if only one works. That’s an annual income of $69,742 or $96,658, based on the same 40-hour week and 50 weeks of work per year.
About the author
Rebecca Lake
Rebecca Lake has been a finance writer for nearly a decade, specializing in personal finance, investing, and small business. She is a contributor at Forbes Advisor, SmartAsset, Investopedia, The Balance, MyBankTracker, MoneyRates and CreditCards.com. Read full bio.
Photo credit: iStock/LeoPatrizi
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.
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.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
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.
Understanding the differences between CreditWise and FICO® Score is essential for managing your credit health. While both tools provide insights into your creditworthiness, they use distinct scoring models and data sources.
FICO scores are produced by the Fair Isaac Corporation and are one of the most popular types of credit scores. CreditWise is a service provided by Capital One that provides you access to your TransUnion® credit report and your VantageScore® 3.0 credit score.
This article will explore how these scores are calculated, their impact on your financial decisions, and which one lenders prefer.
Key Points
• CreditWise, offered by Capital One, uses the VantageScore 3.0 model, while FICO is based on the FICO scoring system, which is widely used by lenders.
• CreditWise provides free credit monitoring and alerts for potential identity theft, while FICO primarily focuses on generating scores for lending decisions.
• Both CreditWise (VantageScore) and FICO scores range from 300 to 850, but the factors and weightings that determine the score can differ between the two models.
• CreditWise is free and available to anyone, even non-Capital One customers, while FICO scores are often accessible through lenders or purchased directly.
• Lenders predominantly use FICO scores when making lending decisions, whereas CreditWise is more for consumer education and credit health tracking.
What Is a Credit Report?
Your credit report is a statement that has information about how well you have historically paid loans and used other types of credit. Most consumers have more than one credit report. This is because there are multiple companies that collect and maintain credit information about consumers.
Three of the largest credit reporting bureaus are Equifax®, Experian®, and TransUnion. Each of these credit bureaus collect information about consumers, and many consumers have credit reports from all three. Typically, credit scores are calculated using the information gathered from the three credit bureaus.
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Check your credit score for free. Sign up and get $10.*
CreditWise, a free credit monitoring tool offered by Capital One, empowers users to track their credit health without affecting their credit score. By utilizing data from TransUnion and the VantageScore 3.0 model, CreditWise provides users with a clear snapshot of their credit status.
One of its standout features is the credit simulator, which allows users to explore how financial decisions — such as paying off debt or applying for a new credit card — could impact their score. CreditWise also sends real-time alerts for significant changes in credit activity, helping users detect potential fraud and stay informed about their credit profile.
How FICO Works
FICO, or the Fair Isaac Corporation, is a leading provider of credit scoring models widely used by lenders to assess creditworthiness. The FICO score is calculated using data from the three major credit bureaus — Experian, TransUnion, and Equifax — and evaluates factors such as payment history, credit utilization, length of credit history, new credit inquiries, and credit mix.
By analyzing these factors, FICO generates a score ranging from 300 to 850, helping lenders gauge the risk associated with lending money or extending credit to a borrower.
The primary difference between CreditWise and FICO lies in their scoring models and purpose. CreditWise uses the VantageScore 3.0 model, which analyzes credit data from TransUnion. It’s a free tool that helps consumers monitor their credit health.
On the other hand, FICO scores are the industry standard, used by over 90% of lenders to assess creditworthiness. FICO scores are based on data from all three major credit bureaus: Experian, TransUnion, and Equifax.
While CreditWise is great for tracking trends and identifying fraud, FICO scores play a crucial role in loan approvals and interest rate determinations.
Different companies calculate their credit scores in different ways, though most companies use similar information. As mentioned above, the Fair Isaac Corporation lists five factors that affect your FICO score:
There are different credit scores because each scoring model uses unique algorithms to assess creditworthiness. Additionally, scores can vary depending on which credit bureau — Experian, TransUnion, or Equifax — provides the data. Each model weighs factors like payment history and credit utilization differently, leading to score variations.
Generally, though, different credit scores for the same person should be within a few points of each other.
How to Check Your Credit Score and Report
There are a few ways that you can check your credit score and your credit report. You may be able to access your credit score as a perk of certain credit cards that you may already have or spending apps that you subscribe to. You can get a copy of your credit report for free from each of the three major credit reporting bureaus at least once per year.
How to Access Your FICO Score and CreditWise Report
If you want to know your FICO score specifically, here’s how to check it:
• Check through your bank or credit card issuer: Many financial institutions offer free FICO score access to customers.
• Visit the official FICO website: Purchase your score directly from myFICO.com.
• Use credit monitoring services: You can sign up for credit score monitoring. SoFi’s credit monitoring service allows you to track your credit score and receive weekly updates at no cost.
• Check with credit counseling agencies: Some nonprofit agencies offer free credit score reviews.
• Request a credit report: While not always included, some reports might show your FICO score.
Here’s how you can access your CreditWise report:
• Download the CreditWise app: Available on iOS and Android devices for easy access.
• Visit the CreditWise website: Access the report directly at www.CreditWise.com.
• Sign up through Capital One: CreditWise is free for Capital One customers, but others can also access it.
• Use the Capital One mobile app: Check your credit score and report from the app if you’re a Capital One customer.
• Monitor credit activity regularly: Track changes in your credit score and report updates over time.
The Takeaway
There are many companies that produce credit scores, and each credit score uses different information and a different model.
FICO credit scores are produced by the Fair Isaac Corporation, and are one of the most popular types of credit scores. CreditWise is a service provided by Capital One, and provides access to your VantageScore credit score. These two types of credit scores are different, though generally your scores should fall in the same range.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
How close/accurate is CreditWise?
CreditWise is a service provided by Capital One to its customers, and it provides access to your credit report, credit score monitoring, and your VantageScore credit score. VantageScore is considered a valid credit score, and while it is not the same as a FICO credit score, it should generally be within a few points of FICO and other credit scores.
Why is my FICO score lower than my CreditWise score?
Your FICO score may be lower than your CreditWise score because they use different scoring models. FICO considers factors like payment history and credit utilization, while CreditWise uses the VantageScore model, which weighs credit behavior differently. Additionally, each service may access data from different credit bureaus, leading to score variations.
Is CreditWise your real credit score?
CreditWise provides a VantageScore 3.0 based on data from TransUnion, which is a legitimate credit score but not the same as a FICO score, which most lenders use. While helpful for monitoring credit health, it may not be the exact score lenders reference when making lending decisions.
What’s more accurate, CreditWise or FICO?
FICO scores are considered more accurate for lending decisions, as they are used by the majority of lenders to assess creditworthiness. CreditWise, which provides a VantageScore 3.0, is helpful for monitoring credit health but may differ from the score lenders rely on when evaluating loan applications.
Which score is closest to FICO?
VantageScore is the closest alternative to FICO, as both use similar credit data from the major bureaus — Experian, Equifax, and TransUnion. However, their scoring models differ slightly. FICO scores range from 300 to 850, while VantageScore also falls within this range but weighs factors like payment history and credit utilization differently.
What is a good CreditWise score?
A good CreditWise score typically falls within the range of 670 to 739 on the VantageScore 3.0 scale, which ranges from 300 to 850. Scores in this range indicate responsible credit management and make it easier to qualify for loans, credit cards, and favorable interest rates.
Photo credit: iStock/Delmaine Donson
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.
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.
For a growing number of Americans, turning 65 no longer automatically means retirement. Between 2015 and 2024, the number of Americans 65 and older who worked increased by more than 33%, according to a 2025 CNBC analysis of Bureau of Labor Statistics (BLS) data.
If you want to keep up the 9 to 5 into your golden years, there’s a wide range of options for you to explore. This is especially true if you’re a skilled senior interested in full-time employment.
Tips When Finding a Job as a Senior
There are pros and cons and working after retirement. If returning to the daily grind is right for you and your financial situation, then there are a few things you’ll want to keep top of mind:
• Weigh the pros and cons of working for a company versus freelancing or consulting.
• Think about whether you’d prefer to work from home or go into an office or to a job site.
• Read the job listing carefully, paying close attention to the requirements listed.
• Remove graduation dates from your resume unless they’re fairly recent.
• Include a couple of your key accomplishments in a cover letter.
• During an interview, be sure to strategically share key career highlights from the past 10 to 15 years, and spotlight the ways in which you’ve kept your skills up to date.
• Move ahead with confidence!
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12 Jobs for Skilled Seniors That Pay Well
Working can help provide seniors with extra income as well as other benefits, such as connecting with coworkers and creating a sense of purpose. Let’s take a closer look at jobs for skilled seniors that suit a variety of skills and interests.
#1: Teacher
If you have the appropriate credentials, teaching can be a rewarding job. Don’t fret if you don’t have the right credentials — you might still be able to land a position. Many high schools, career centers, and community colleges may be open to hiring experienced people to teach general interest or professional development courses. Educational organizations may also be seeking teaching assistants or tutors, both of which can be excellent jobs for skilled seniors.
#2: Pet Groomer
Have a way with four-legged friends? Consider a career as a pet groomer, where the average worker earns around $31,830 a year. You can find work in a number of settings, including grooming salons, veterinary clinics, pet stores, zoos, and animal shelters. Or, you may decide to strike out on your own. The field is experiencing a boom right now. There are more than 422,000 jobs today, according to the BLS, and the field is expected to grow by 15% between 2023 and 2023.
#3: Tax Preparer
Interested in becoming a tax preparer? If you have an accounting background, then this type of work may be a natural fit. That said, you don’t need to be a certified accountant — you just need to obtain a Preparer Tax Identification Number from the IRS and pass a competency exam.
#4: Real Estate Agent
You can earn a good income helping people buy and/or sell their home or property. But there’s another selling point to being a real estate agent: the ability to set your own schedule, as long as you can still satisfy your clients. In fact, this flexibility can be useful if you’re deciding whether you want to work part time or full time. Before you start working, you’ll need to get a license, and requirements vary by state.
#5: Bank Teller
You typically only need a high school diploma or the equivalent to qualify for a bank teller’s job, and you may be required to undergo a short period of on-the-job training. In this position, you’d handle the standard transactions at the financial institution. So if you’re comfortable handling a steady flow of cash and enjoy working with customers, this could be a job to consider.
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#6: Medical Biller
A medical biller works for a healthcare organization such as a hospital or doctor’s office and is responsible for appropriately billing insurance companies, managing the status of claims, and addressing problems that arise. This is one of those jobs for skilled seniors that require organization and the ability to follow through — in this case, with both patients and the insurance companies.
Plenty of small businesses in the United States need help with daily administration tasks. Depending on your skills, virtual tasks could include making phone calls, managing emails, scheduling appointments, maintaining calendars, offering bookkeeping services, handling social media, and so forth. Although many virtual assistant jobs are part time, if you wanted more work, you could have multiple clients to whom you provide your services.
#8: Telework Nurse or Doctor
Telehealth services have greatly expanded since 2020, and demand for remote healthcare providers remains high. If you’re a recently retired nurse or doctor, and are still licensed, you may want to explore a telehealth position. It could allow you to continue providing care but from the comfort of home (or a home office).
#9: Counselor
More than half of all Americans live in an area with a shortage of mental health care professionals, according to data from the U.S. Department of Health and Human Resources. If you’re a retired counselor or therapist and are interested in working again, re-entering the field could allow you to provide much-needed services.
#10: HVAC Technicians
From installation to maintenance to repairs, HVAC pros can find themselves in great demand all year long. If you have this kind of experience, or are handy and able to incorporate HVAC into your skill sets, then this type of work can be a steady source of income.
Busy attorneys need plenty of help researching information, creating documentation, and contacting clients. If you have the education and experience — and you’re highly organized and able to multitask — then a paralegal job may be right for you.
#12: Grant Writer
Grant writing is a specialized type of writing where you’d write proposals to help nonprofits and other agencies to obtain funding for their programs. To succeed at grant writing, it’s important to research the requirements and deadlines of the funding, write compelling proposals to receive the grant dollars, follow up with the proposals, and write reports about them.
The Takeaway
Your golden years are what you make of them — and for some, that can mean re-entering the workforce or pursuing a new, rewarding career path. Fortunately, there are plenty of jobs for skilled seniors that suit different skills and interests and provide a source of extra income.
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FAQ
Can seniors still work full time and receive Social Security benefits?
According to the Social Security Administration, the answer is “yes.” If you’ve already reached your full retirement age, then you can work and earn as much as possible without a reduction in benefits. If you aren’t yet at full retirement age, then you can earn up to $23,400 in 2025 without a reduction. For income earned beyond that annual limit, your benefits would be lowered by $1 for each $2 earned.
What types of job skills are in high demand?
Management and leadership skills are appreciated by many employees, and these are skills seniors may well have developed over the years. It’s important to be able to effectively communicate, both verbally and in writing, and to work well with others. For many jobs, sales and marketing abilities are key, while in others the ability to research and analyze are crucial. Note that these are general categories. Specific skills will depend upon the job you’re applying for.
What type of work-life balance should working seniors expect?
Maintaining a work-life balance is especially important for working seniors. As you consider re-entering the workforce, you’ll want to consider your physical and mental health as well as your finances, and ensure that whatever job you take on will fit in your lifestyle. As an older adult, you may discover that you don’t have quite as much stamina as you once did. On the other hand, having children out of the home and on their own may open up more time than you expected.
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Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
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.
