There are so many recourses online to learn how to make money online and most of it is free. You do not need a lot of money to invest. You can start out selling other peoples products or with ads such as Adsense from Google. Many people make a living off of Adsense ads alone. If blogging is not for you, you could make money on eBay. In your spare time you could be generating enough income to pay down many of your debts.