How to Pay Off Debt in Bitlife?


Paying off debt is a headache for any person. So in the BitLife world, paying off debt is not an easy task.

Primarily there are two types of loans in BitLife.

  1. Student Loans
  2. Mortgage Loan

Now let’s discuss how to pay off each debt type in the BitLife game.

pay off debt in bitlife

Pay Off Student Loans in BitLife/ Automatic Loan Repayment

You get student loans for higher education in the BitLife game. So you don’t have any assets under this loan. So after your education and university life, you need to get a job.

Your student loan repayment is an automated process. The crucial thing is you need to have a constant source of income or a large sum of money in your BitLife bank account.

When you get a job in BitLife, make sure to work hard every year. So you will get promotions and pay rises in your career. When you earn a good amount of money, your automatic student loan repayment will take care of your loan.

Once your automated loan repayment is completed, the BitLife app will show you a message saying you have successfully paid off the debt.

Pay Off Mortage Loan in BitLife

If you have an automatic loan repayment process for your loan, it will be paid off automatically with the money you earn from your salary. You only have to get a proper job and work hard every year to gain pay raises.

But if you have a mortgage and don’t have a proper job or enough money in your bank account, you are in trouble. Now you have to make a decision. You can select either one of the below options to pay off your mortgage in BitLife. 

  1. Find a Job As soon as possible.
  2. Sell your house or the assets to pay off your mortgage.

Finding a job is not a hard thing if you have enough qualifications. Even you can do freelance gigs or part-time jobs to raise your bank account. If you can find a permanent full-time job with enough paycheck to pay the monthly installment, you have saved your life by paying off the whole debt that your BitLife character has taken.

Otherwise, you will need to sell your house to pay off the mortgage. Once you sell the house and pay off the debt, work hard to get a job and raise your bank balance. If you cannot find a full-time job, you can always go for freelance gigs and part-time jobs to increase your bank balance. When you are looking for a job, always go for a highest paying jobs in BitLife.

Finally, when you earn enough money and become rich in BitLife, you can buy a new house in BitLife again.

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