A question I get asked often is, “Can I make money on an F-1 visa?” The short answer is yes—but you need to tread carefully to avoid violating immigration regulations.
Let’s break it down:
Three Common Ways to Earn Active Income
Active income typically requires authorization. Here are three approved options for F-1 students:
- On-campus employment: You can work part-time (up to 20 hours a week) on your school’s campus while classes are in session.
- Off-campus employment: This requires special authorization, such as Curricular Practical Training (CPT) or hardship-based authorization.
- OPT and STEM OPT: Optional Practical Training allows F-1 students to work in their field of study, either before or after graduation. STEM OPT provides an additional 24-month extension for eligible students.
Making Money Passively
Beyond active employment, F-1 students can also earn passive income, which doesn’t require direct work. Here are some permissible ways:
- Invest in stocks: You can trade stocks, ETFs, or mutual funds for long-term gains.
- Earn referral bonuses: Many companies offer referral bonuses for bringing in new customers.
- Rent out a room or car: Platforms like Airbnb or Turo let you earn passive income from assets you already own.
- Write and create content: If you’re an author, blogger, or YouTuber, you can earn royalties, ad revenue, or affiliate commissions.
A Note on Monetizing Content
If you’re planning to monetize a book, course, or any creative work:
- You can make it part of your authorized work during your OPT period.
- Alternatively, you can complete the work while outside the U.S. and collect royalties once you return.
Be Cautious!
While these options are legal, ensure you don’t engage in unauthorized work or activities that might jeopardize your visa status. Always consult a Designated School Official (DSO) or an immigration attorney before pursuing any money-making ventures.
Making money as an F-1 student is possible—you just need to play by the rules.
