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Six companies that help you repay or avoid student loans

Here鈥檚 a look at six companies focused on helping you repay your loans or, better yet, helping you avoid student debt in the first place.

It鈥檚 not uncommon these days to see startups whose products essentially replace your mom 鈥斅爌re-made meal delivery, on-demand grocery apps, instant valet services. So it can be refreshing to hear about companies whose products can help you solve a problem that鈥檚 much more pressing: repaying your student loans.

Here鈥檚 a look at six companies focused on helping you repay your loans or, better yet, helping you avoid student debt in the first place.

1. BrowseU

is a search engine company (like Google, but much smaller) that uses part of its advertising revenue to help pay off its users鈥� student loans. When you sign up, you get added to the bottom of the company鈥檚 list. Make BrowseU your go-to when you search for things like 鈥渃ats on Roombas鈥� or 鈥渉ow to use a can opener.鈥� The company, which launched in October 2015, cuts each user a check for $500 to $2,000 as it generates ad revenue, in order of when each user signed up. It pays out one user at a time, so it could take a while before you see the cash 鈥斅爐here were 2,500 users in January, and the first BrowseU user got his $500 check in late February.

Try it if: You want to earn some extra cash to put toward your student loan payments.

2. Future College Fund

is a college crowdfunding site that parents can use to raise money for their kids鈥� college funds. To sign up, create a profile that includes your savings goal and connect a PayPal account. Then, ask your friends and relatives to contribute to your campaign in lieu of birthday gifts or holiday presents (Future College Fund keeps 2% of every donation). Consider storing your college savings in a state-sponsored, tax-free investment account known as a .

Try it if: You鈥檙e a parent who wants to raise money for your kids鈥� college fund.

3. LoanGifting

, slated to launch this summer, is a student loan payments crowdfunding site and management system. You can add your loans to your LoanGifting dashboard to see them all in one place, and then ask your friends and family to contribute. And you don鈥檛 have to worry about overcoming your own willpower 鈥斅燣oanGifting sends all contributions directly to the lenders with instructions to apply the extra payment to your balance. Paying more than your minimum monthly payment will help you pay off your loans faster and save money on interest.

Try it if: You want your friends and family to skip gifts and help you pay off your federal or private student loans.

4. Quottly

is a website that can聽help you find community college or online classes to take in place of a required course at the college you鈥檙e attending. Browsing for courses is free, but for a fee,聽Quottly聽will also help you register for the class聽and聽make sure the outside credit transfers back to your home college. The service is available only to students attending schools in Florida, California and Pennsylvania.

Try it if: You want to save money on tuition by taking general education classes online or at a community college.

5. Red Kite

is a scholarship search tool that can help you find free aid you鈥檙e eligible for. To get started, create a profile and answer some questions about your background, interests and plans. Red Kite will use that information to match you with scholarships, fellowships and grants you might qualify for. You can use your Red Kite dashboard to keep track of scholarships you want to apply for, ones you鈥檝e already applied for and ones you鈥檝e received.

Try it if: You鈥檙e a high school or college student looking for scholarships.

6. Student Loan Genius

It鈥檚 becoming increasingly common for employers to contribute to employees鈥� student loan payments, just as they would contribute to a 401(k). is a platform that helps employers institute this perk. If your employer doesn鈥檛 offer it, you can anonymously fill out a short request form on the Student Loan Genius website. It could be worth asking 鈥斅燼 found that borrowers who take advantage of this employer benefit could save around $4,000 in interest and three years of payments.

Try it if: You want to anonymously request that your employer start a student loan repayment benefit.

Teddy Nykiel is a staff writer at , a personal finance website.聽Email: teddy@nerdwallet.com. Twitter: . This article first appeared at .