Martins.Ph.dI never thought that when I told my story about going broke after my business failed people would react the way they did. A lot of people wrote to me to say they were stuck in the same nightmare. Some people had lost their jobs. Some people could not answer their phones anymore. Some people were living in shame and fear because loan apps were bothering them. I have been through all of that. I know how scared you are. I understand the tears. I know how hard it is to wake up every day to messages telling you what you owe. It took me two full years to get out and I only did because I worked nonstop through my job my writing and every side job I could find. Today I am going to tell you exactly how I did it along with high paying job niches you can get into right now to make more money and get your life back. Let us get started.
1. I stopped borrowing money and that is when my healing began
I kept borrowing from one loan app to pay another during my darkest time. It felt like I was managing but it was really killing me. That was the day I stopped looking deeper into things.
Job niches related to this phase The next step after you stop borrowing is to start making money. These job niches helped me get back on track
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Writing for money the skill that saved me
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Jobs in customer service
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Platforms for micro tasks
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Help from a distance
2. I wrote down every debt even though it made me cry
I broke down the day I wrote down everything I owed. But that clarity helped me come up with a plan. I could finally see the mountain I had to climb.
Career niches that are related to this step
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Keeping track of money
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Inputting data
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Jobs in administration
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Blogging about money
3. I tried to negotiate everything even when it was hard
Some loan apps were not flexible. Some were a mess. But my bank did listen. What was supposed to last a year turned into an eighteen month plan. When I did not pay back my loan I was able to stay honest thanks to loan apps. I called explained and set up dates but they never got in touch with my contacts.
Job niches that came to mind because of this
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Jobs in sales
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Jobs in customer service
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Help with HR
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Success for customers
4. I went after my most important loans first because loan apps are like leeches
Loan apps make interest rates go up quickly. I paid the ones that were taking my money the fastest first. I never spent money that someone gave me like the 50000 naira I once got. I used it to pay off the worst debt.
Job niches that go along with this plan
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Managing debt
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Fixing your credit
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Basics of investing
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Niches for comparing loans
5. I started working hard with all of my skills no job was too small
This was the point where things changed for me. I wrote
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Talks
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Suggestions
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Scripts
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Articles
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Content for social media
I did everything that was legal and decent. There was not a lot of money but it was steady money. And staying the same is what gets rid of debt.
High CPC niches you can start like I did -
Writing for ghosts
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Writing copy
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Blogging
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Online marketing
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Affiliate marketing
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Tutoring online
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Making content for SEO
6. I went into survival mode
I had to let go of my pride in order to move forward. I cut down everything
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No ride hailing
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No new clothes
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No trips out
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No subscriptions
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No over the top birthdays
Being in debt made me humble and that humility saved me.
Job niches that fit with living simply -
Content about living frugally
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Blogs about budgeting
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Niches for tips on saving money
7. I stopped being alone in my pain and that made all the difference
She was shocked when a loan app called her because she was my next of kin. I felt naked. But I was surprised by her answer she sent almost 200000 naira to help pay off part of the debt. One act of support made my life much easier.
High CPC niches that are related
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Content about mental health
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Coaching for life
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Blogs about personal growth
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Niches for relationships and support
8. I rebuilt my faith and changed the way I think about money
Debt almost killed me. I said a prayer. I cried. I prayed. Those times gave me the strength to keep going. Then I looked into
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Making a budget
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Savings
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Discipline with money
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Basics of investing
I learnt by watching YouTube videos listening to mentors and reading books.
High paying job niches from this step -
Learning about money
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Courses on investing online
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Guides for insurance
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Planning for retirement
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Content about the stock market
9. I took advantage of remote work opportunities because I needed the extra money
I wrote from a distance. My suggestions were far away. My side jobs were done from home. I might never have gotten out of debt if I had not worked from home.
The best high paying remote job areas are
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Assistant in the virtual world
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Customer service from afar
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Digital marketing
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Writing content
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Managing the community
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Help with technology
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Basics of UI and UX
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SEO and SEM
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Design work on the side
10. I deleted all of my loan apps after I made my last payment and I never looked back
I deleted all of my loan apps the day I paid off my debt. I would not go back to what almost ruined my mental health. Now I value
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Peace
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Being smart with money
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Many ways to make money
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Funds for emergencies
Job niches that can help you stay financially stable over the long term -
Writing about personal finance
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Coaching on budgets
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Blogs about being aware of investments
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Content about saving money and being productive
BONUS; 20 High-Paying Job Niches You Can Start While Paying Off Your Debt
Getting out of debt, especially loan app debt, takes more than just self-control. It needs new sources of income, better money management skills, and skills that will ensure steady income. One of the quickest ways to get your money back on track is to work in online job niches that pay well and are in high demand. These niches not only bring in clients, employers, and remote work, but they also do very well in Google’s highest-paying ad categories, which include finance, credit repair, insurance, investing, and digital marketing.
You can start one of these 20 high-paying job niches right away and still work your way out of debt. There is at least one way to make money that fits your strengths, whether you are just starting out or already have a skill.
1. Services to Fix Your Credit
Credit repair is one of the most expensive businesses online because it helps people fix their credit scores, settle credit disputes, and get back on their feet financially. You can help people fix their credit reports if you know how credit laws and the dispute process work. This niche pays very well and draws in high-end clients because having good credit is what lets you get loans, mortgages, and financial stability.
2. Loan Comparison Services (Comparing Loans)
Blogs, YouTube channels, and affiliate sites that compare loans make a lot of money because people are always looking for the best personal loans, business loans, and emergency loan options. You can read reviews of financial products, compare interest rates, and make money by using affiliate links.
3. Small Business Funding Content (Money for Small Businesses)
This is a good niche because small business owners look for grants, loans, ways to get money, and ways to improve their cash flow. You can write or talk about how business owners can get money, keep track of their finances, or apply for loans that the government backs.
4. Content for Insurance Advisory (Insurance)
One of the best-paying types of advertising is insurance. You can make money in niches like these, whether you write content or work as an insurance agent:
Insurance for health
Insurance for life
Insurance for cars
Insurance for businesses
Insurance for travel
Each of these has a lot of potential to make money, both in terms of content and commissions.
5. Coaching on how to manage debt
A lot of people need help getting their finances in order. You can help them get back on track by giving them help with budgeting, controlling their spending, prioritising their debts, and getting credit counselling. You can also make money from consultations, ebooks, and digital courses.
6. Consulting for Real Estate
Rich people are interested in real estate content and services, which means that CPC is very high. You can begin with:
Rental property investment advice
Guides for buying a home
Advice on managing property
Blogging about real estate
This niche works even if you don’t have a lot of money to start with.
7. Blogging about personal finance (personal finance blogging)
This is one of the three niches that pays the most around the world. High-paying advertisers are interested in topics like saving money, making a budget, investing, paying off debt, passive income, and emergency funds. You can make money from your blog with Google AdSense, affiliate programs, and sponsored posts.
8. Virtual Help (Remote Work Areas / Help from Afar)
There is a lot of need for virtual assistants all over the world. You can focus on:
Managing your inbox
Making plans
Help with social media
Study
Service to customers
VA work is flexible and easy for beginners, which makes it a great way to make money while paying off debt.
9. Writing for SEO (SEO Writing)
People who write for SEO get paid to make content that ranks well on Google. Because businesses want visibility, SEO skills attract premium rates. Niches like finance, tech, and insurance pay the highest.
10. Social Media Management (Managing Social Media)
Brands need managers to create content calendars, handle engagement, run ads, and grow their online presence. This niche pays well and offers long-term clients.
11. Tech Support Services (Help With Technology)
Remote tech support specialists help people troubleshoot devices, software, and apps. It’s a high-demand niche with stable income, especially if you understand computers, phones, or IT basics.
12. Email Marketing (Email Marketing)
Email marketers plan sequences, newsletters, and automations that help businesses make more money. This field pays extremely well because every business wants higher conversions.
13. Affiliate Marketing (Affiliate Marketing)
Affiliate marketing allows you to earn commissions promoting:
Credit repair services
Insurance providers
Loan comparison tools
Online courses
Software
Finance-related affiliates pay the highest commissions.
14. Amazon KDP Publishing (KDP on Amazon)
Publish ebooks or low-content books (journals, planners, workbooks) and earn royalties. When done in high-CPC niches like personal finance or self-improvement, the earnings multiply.
15. Graphic Design (Designing Graphics)
Graphic designers create flyers, ads, logos, social media posts, and website visuals. It’s a flexible skill that allows you to work with clients globally.
16. UI/UX Design (Design for UI and UX)
This is one of the highest-paying entry-level tech skills. UI/UX designers help brands create beautiful, user-friendly websites and apps. With short-term courses, you can start earning quickly.
17. Basic Programming (Basic Programming)
Learning beginner-level coding—like HTML, CSS, or JavaScript—can open doors to freelance jobs, web updates, simple automation tasks, and junior developer roles.
18. Copyediting and Proofreading (Editing and Checking for Mistakes)
If you’re good with grammar, reviewing written content can earn you steady money. You can work with authors, bloggers, and businesses that need clean, professional writing.
19. Transcription (Writing Down)
Transcribers convert audio and video into text. This niche is perfect for beginners and can be done from anywhere using minimal equipment.
20. E-commerce Management (Managing eCommerce)
You can manage:
Shopify stores
Jumia or Konga listings
Etsy shops
Inventory
Customer relations
Product uploads
Businesses will pay well for someone who understands online sales and platforms.
Last Word
Your story isn’t over in fact, this difficult chapter may be the beginning of the strongest, smartest, and most financially disciplined version of you. I know debt can feel like a cage. It can drain your confidence, silence your voice, and make you question your value. It can make you feel small, powerless, and stuck in a cycle that looks impossible to break. But here’s the truth most people don’t hear enough: debt is a circumstance, not a life sentence.
If you’ve read this far, it means you’re not in denial. You’re not running away. You’re not pretending everything is fine. You’re actively searching for a way out — and that alone puts you miles ahead of where you were yesterday. Healing begins the moment you stop hiding from your reality and start taking responsibility for rewriting your story.
Debt might have humbled you, but it also awakened something powerful in you the desire to rise.Every step you take matters. Every naira you pay matters. Every skill you learn matters. Every remote job application matters. Every painful conversation matters. Every time you say “no” to unnecessary spending, you are saying “yes” to your future. You may not feel it yet, but your comeback has already started. Picture yourself a year from now:
No harassment messages.
No borrowing.
No fear when your phone rings.
No anxiety when you open your email.
No shame attached to your finances.
Imagine walking with your head high, knowing you fought through something millions of people are still trapped in — and you won. Imagine having multiple income streams, emergency savings, and a strong financial mindset that can never again be manipulated by loan apps or financial pressure.
This version of you is real. This version of you is possible. And this version of you starts with one decision:
Do not stay stuck. Start moving. Today.
No matter your income level, your education, your city, or your current situation, there is always a path forward. Whether through writing, remote work, virtual assistance, digital marketing, freelancing, or any of the high-income niches listed earlier — you have options. You have opportunities. You have skills waiting to be activated.
