Teaching English in China To Pay Off Student Loans (2024)

Hello! Here’s a guest post from a reader, Nick. Nick was feeling stuck a few years ago and wasn’t making progress on his student loans. He ended up researching a lot about salaries and the cost of living for English teachers in China and realized that he would be able to save far more money

Hello! Here’s a guest post from a reader, Nick. Nick was feeling stuck a few years ago and wasn’t making progress on his student loans. He ended up researching a lot about salaries and the cost of living for English teachers in China and realized that he would be able to save far more money in China than back home. Even without teaching experience, and still living very comfortably, including taking vacations, it has been easy for him to save $20,000 in a year. For him, it had a huge impact on his life and financial freedom. Enjoy his story on how to teach English in China below!

Teaching English in China To Pay Off Student Loans (1)It must have been about 4.5 years ago. I remember walking out of an interview in Chicago feeling completely dejected.

The interviewer mentioned the salary, and along with it, how most new hires take on a second job during the weekend.

I wasn’t expecting to find an amazing job, but this was just too much. None of my past decisions looked particularly good on a resume. I had just returned from a 3.5-year stint traveling around Latin America while earning a very modest living playing online poker.

But, I was burnt out, making no progress on my student loans, and realizing it was time to get a normal job. I was actually really excited to do so but job hunting was incredibly frustrating and when I realized how little money I’d be earning, I began looking for alternative options.

Somewhere along the way, I had heard about teachers in Asia making good money and motivated by the frustration of the job search, I began looking into it more seriously.

After spending countless hours reading online, I ended up settling on China as that seemed to be where it’d be easiest to save the most money.

I’ve since been in China for four years, paid off my student loans, and finally feel comfortable with my finances.

Without a doubt, moving to China isn’t for everyone or even most people. However, for those that are a little bit adventurous, not opposed to working as a teacher, and want to save money fast, it’s an option worth considering.

It’s not at all difficult to save $20,000 per year, without needing to be particularly frugal, and still have plenty of vacation time.

Related articles on how to make extra money:

  • 12 Work From Home Jobs That Can Earn You $1,000+ Each Month
  • 30+ Ways To Save Money Each Month
  • The Best Online Tutoring Jobs

How to start teaching English in China.

The demand for teachers in China

Chinese parents spend an average of $17,400 per year on extracurricular tutoring for their children.

More than 60% of students receive tutoring outside of school at an average of six hours per week and English is among the most popular subjects for after school tutoring.

While these numbers look insanely high from my Midwestern American point of view, it barely scratches the surface for the demand for English tutoring in China.

In fact, English is a required subject in Chinese schools. Private schools often take this a step further, with many classes and programs taught exclusively in English. Meanwhile, the online tutoring industry has created lots of opportunities to teach English online.

Chinese parents are obviously willing to pay for English education. This demand for English teachers becomes even more apparent when you consider just how huge of a country it is. With a population of over 1.3 billion people, there are 32 cities with more people than Chicago.

The requirements to be an English teacher

It’s not difficult to become an English teacher in China. The huge demand has made for relatively lax requirements. These are…

  • A bachelor’s degree
  • Two years of work experience
  • 120 hour TEFL certificate
  • Clear criminal background check
  • Pass a health check
  • Native English speaker

The bachelor’s degree doesn’t need to be in any specific subject, nor do the two years of work experience. The 120-hour TEFL is easy and pretty cheap to do online.

Of course, having these doesn’t necessarily mean you’ll be able to get a great job right off the bat. Some of the best schools will have a very rigorous hiring process. However, even a standard first job in China can allow you to save a lot of money.

The types of English teaching jobs in China

Most foreign teachers in China come to teach English. However, there are other opportunities as well, such as with teaching sports, a specific subject, or as a homeroom teacher who teaches a variety of subjects.

There’s a wide range of salaries and teaching environments, with the main positions being in kindergartens, public schools, international schools, training centers, and universities. Salaries, working hours, and work environment can vary quite a bit depending on the type of school.

Additionally, the chosen city will have a large impact on your life with bigger cities paying more but also having a higher cost of living. ESL Authority has a good breakdown of the different salary ranges for different school types and locations.

My teaching experience in China has exclusively been in Beijing at two public schools and one international school. I’ll share a bit about my experiences and salary at these schools.

Teaching at a public school in China

Public school teaching jobs typically focus on oral English, meaning you’ll help students with their speaking and listening comprehension. The class sizes tend to be quite large. I often had 30-40 students in a class and would see each class only a couple of times per week, while often teaching multiple classes and different grade levels. In a given week I’d see 200-300 students.

At the public schools I taught, I earned around $1,600 per month, which included a round-trip plane ticket to America, and housing. A typical schedule for public schools would be Monday-Friday, from 8 am – 4 pm, with 16-20 classes per week, with each one lasting around 45 minutes. There would be a lot of down-time during the day which I used to study Chinese.

Many public schools, but not all, will let foreign teachers leave if they don’t have classes. Both public schools I taught at while in Beijing allowed me to leave when my classes were finished, which meant I’d often be done for the day around 2 pm.

Vacation time is very generous, exceeding 3 months for summer and winter vacation, plus all of the national holidays during the year. Both public schools I’ve taught at allowed foreigners to finish the semester earlier and start later than their Chinese counterparts which makes sense as foreign teachers aren’t usually responsible for grading homework or preparing exams.

The salary at public schools is more than enough to live comfortably and save quite a bit of money. Still, many teachers use their substantial free time to teach extra on the side with private students or at training centers. Doing so can be quite lucrative with an average rate of around $30 per hour.

Having said that, it’s not exactly legal to teach with a different school than the one that sponsored your visa. If you got caught, it could get you in trouble and you could have your visa canceled and your time in China cut short. But, it’s one of those things that nearly everyone does and almost nobody gets in trouble for. So, if you choose to teach on the side, you should be aware of the risks.

It isn’t difficult to teach an extra six hours per week during the ~8 months of the school year. This would earn an extra $5,760. Teaching 20 hours per week during 2 months of the summer/winter vacation would earn an extra $4,800. Combining these with the public school salary would make your yearly after-tax income $29,760 – with housing already paid for.

Plus, you’d still have close to two months’ vacation throughout the year.

While I didn’t keep good track of my earnings and expenses while teaching at the public schools, these numbers are very close to my own experience.

My experience teaching at an international school in China

If you’re more interested in teaching a subject like history or math, as opposed to English, an international school would be your best bet.

These are the schools where wealthy Chinese and expats typically send their children to study. Teaching positions at some of the better schools can be very competitive, often requiring a teaching license, graduate degree, and a number of years of experience. Of course, those who qualify for these positions will earn higher salaries.

However, a large number of international schools don’t have any additional requirements for teachers above the bare minimum required to teach in China.

The work at these schools can be very demanding, much like teaching in America would be, requiring things like communicating with parents, creating exams, giving and grading homework, and plenty of meetings. Vacation periods are typically shorter than those for public school teachers. Likewise, working hours may be from 8 am – 5 pm, but most international school teachers will find themselves with very little downtime throughout the day.

On the plus side, class sizes are generally much smaller and salaries higher. While teaching at an international school, I earned around $2,800 per month or $33,600 per year after taxes, with housing and a round-trip plane ticket included.

However, due to the shorter vacations and more tiring day-to-day work, I didn’t have any interest in tutoring on the side.

What does a typical budget look like for an English teacher?

This can be hard to say as everyone has a different lifestyle and things they’re willing or not willing to spend money on. I’ll share my budget below.

Housing and Healthcare – $0/mo – In China, especially in the bigger cities, rent would make up the largest portion of a budget. Fortunately for foreign teachers, most schools include housing or a housing allowance. Housing would typically be a one-bedroom apartment, which may be on or off-campus, depending on the school. Some teachers may choose to add some of their own money to the housing allowance so that they can stay in a nicer place. But, I’ve been happy with the provided accommodation and didn’t pay any extra. Health insurance is also provided and many schools have gyms on campus that you can use for free.

Food – $350/mo – You can spend a lot of money on food or not much at all, depending on your preferences. Cheaper meals can be had for under $3 but you could easily spend $30 on a meal if you choose to go to fancier places. It also depends on how much you cook vs eat out and whether you like buying imported groceries. Most schools will offer free lunch to their teachers. Even so, I tend to spend quite a bit on food but am cheaper in other areas, so my food budget would be something like:

Groceries: $150

Restaurants: $200

Entertainment – $100/mo – Being the old man I am, I rarely go out for drinks at bars and my preferred entertainment is also the cheaper kind – hanging out, eating, and playing games with friends. Still, my wife and I will go to the occasional show.

Transportation – $60/mo – Public transportation in China is fantastic and a single trip on the subway or in a bus can cost less than 50 cents. Shared bikes are everywhere and extremely cheap. Even using Didi, the Chinese version of Uber, is very affordable. This is another area where I spend more than necessary, often taking a Didi out of laziness when there are cheaper options.

Utilities – $15/mo – I think most schools typically pay for household utilities, like electricity and water. At least, the schools I worked at did. So, the only expense here is my phone which is on a pay as you go plan.

Travel – $250/mo – Living in China and working as a teacher opens up lots of travel opportunities, both within China and around Asia. Unfortunately, although plentiful, teacher’s vacation time is usually during national holidays when the cost of tickets is a bit higher. Still, I tend to go on at least one international trip a year and also like to travel within China. Plus, almost every school also provides a round-trip ticket to your home country. If I were to guess, I probably spend around $3,000 per year on travel. I know people who spend much more and others who spend much less, so this cost will depend a lot on each individual’s preferences.

Miscellaneous – $50/mo – These are other expenses such as buying household appliances, clothes, and other random things. I’m not a big shopper, but random things do come up.

Total Expenses – $825/mo or $9,900/year

Although I’m conscious of my spending, I wouldn’t say that I’m especially frugal while in China. Far much less than I’d be if I were still living in Michigan.

Some people might consider my spending extravagant while others might think I’m cheap. For me, it’s a good balance of comfort and enjoying my lifestyle with saving for the future.

How much money can you save teaching English in China?

In my experience, I earned between $29,760 and $33,600 per year with expenses around $9,900 per year. This led to savings between $19,860 and $23,700 per year. Unfortunately, I didn’t track my exact earnings and spending each year, but these ballpark numbers are pretty accurate.

It’s not particularly difficult to save $20,000 in a year of teaching in China while still living comfortably, traveling, and leaving yourself with enough free time to pursue other interests.

Plenty of people save more than this each year. There are also opportunities to increase your earnings as you gain more experience.

However, like most places, life can be as expensive as you make it. If you’re bad with money back home, it’s unlikely you’ll suddenly become good with money by moving abroad. In fact, the money may disappear even faster than it would back home as there are lots of exciting ‘once in a lifetime’ opportunities.

But, if you’re somewhat frugal and work fairly hard, you’ll have no problem saving a lot of money.

How to find a job teaching English in China

There are tons of websites with job listings for English teachers in China. I can’t comment on most sites as all the jobs I found started with a search on the eChinacities job board.

The start of your job search can be a bit overwhelming, especially if you’re still not sure where you’d like to live in China. This isn’t helped by the fact that a lot of recruiters will earn more money if they can get a teacher to accept a lower salary.

I’ve known teachers that came to China and received terrible salary packages, earning less than half of what a typical salary would be and with an apartment far from the school. These people tended to not do enough research beforehand and accepted the first offer they received.

I would strongly recommend talking with lots of recruiters before accepting any position. Be sure to ask tons of questions, and be willing to say no to a jobs that don’t fit your criteria. There is no shortage of opportunities, so be patient when looking for your ideal position.

Before accepting any position, be sure to do your due diligence on the school.

Most schools are fine and professional, but there are some sketchy ones. You won’t always find much information online about the school, but if they’ve done shady things in the past, you’ll probably see people talking about it.

Asking to speak with any current or former teachers can give you a bit more insight into the school as well.

Final thoughts on teaching English in China

Not everyone will be excited to live in China and I can understand that. It’s far from home, the language is difficult, and many people have a negative perception of the country.

However, I’ve really enjoyed my life here and the experience has been exceptionally positive. Sure, there are small annoyances, but these will happen anywhere. Plenty of people worry about air quality, and while still not great, it has been improving every year.

Beijing is extremely modern with no shortage of interesting and unique things to do. Moving here has been one of the best decisions I’ve made.

I came here with only a few thousand dollars in the bank and what felt like an endless pit of student loan debt. In only a few years, I’ve been able to completely turn around my finances, pay off my loans, and save up a nice nest egg.

I know that it’s not for everyone, but if you’re open to new experiences, can see yourself enjoying teaching, and want to save a lot of money, moving to China to teach English is an option worth considering.

Nick Dahlhoff is an English teacher living in Beijing. Since moving there in 2016, he’s paid off his student loans, studied Chinese, gotten married and started a blog. At All Language Resources, he tests out lots of language learning resources to help language learners figure out which resources are worth using and which ones are better off avoiding.

Would you take a job in another country to pay off your debt? Would you start teaching English in China?

Teaching English in China To Pay Off Student Loans (2024)

FAQs

Is teaching English in China worth it? ›

Teaching English abroad in China might make you feel like a little fish in a big pond, but it'll be worth it in a BIG way. You'll learn to build relationships with foreigners even if you don't know the language. Additionally, you'll develop stronger cross-cultural sensitivity, self-reliance, and dependability.

How much money can you make teaching English in China? ›

To teach English in China, you will usually need a TEFL certification and bachelor's degree as a minimum. The average salary for teaching English in China is $1,000 to $2,500 per month. Take a look below at some of the key facts you should know before teaching English in China.

Is it hard to get a job teaching English in China? ›

To teach English abroad in China, you'll need a bachelor's degree - in any subject - as well as a high-quality TEFL certificate with at least 120 hours of training, from an accredited and reputable provider. Teaching experience can be useful, but in a lot of cases, isn't a prerequisite.

Is Teach TEFL in China legit? ›

Is Teach TEFL in China a good company to work for? Teach TEFL in China has an overall rating of 3.4 out of 5, based on over 25 reviews left anonymously by employees. 51% of employees would recommend working at Teach TEFL in China to a friend and 53% have a positive outlook for the business.

Is it better to teach English in China or Korea? ›

Choosing between teaching English in China or South Korea depends on your personal and professional aspirations. China offers a journey into a diverse cultural landscape, while South Korea provides a more uniform yet modern experience.

Is there a shortage of English teachers in China? ›

Estimates suggest that China faces a shortage of around 100,000 English teachers, a figure expected to rise in the coming years. China's growing enthusiasm for English learning, coupled with its world's largest education system, offers a plethora of opportunities for fresh graduates and licensed teachers.

How many hours do English teachers work in China? ›

Bilingual schools often teach classes in both Chinese and English and will employ native speakers to teach subjects outside of English as well. You can expect to work from 7AM-5PM Monday to Friday and teach 12-22 teaching hours per week.

Do foreign teachers pay tax in China? ›

If you're taking part in one of our paid teaching placements, you might be wondering if and how you will pay tax on your earnings. In most cases the answer is yes, so you'll be pleased to know it's quite straightforward.

How much is rent in China? ›

A Breakdown of the Average Cost of Living in China:
ExpensesCost (USD)Estimated Monthly Cost (USD)
Rent$200 ~ $700$200 ~ $700
Food$2~$5 per meal$100 ~ $150
Transportation$,0.3~$0.5 each way (bus)$30 ~ $50
UtilitiesElectricity, water, gas, telephone, wi-fi$50 ~ $100
1 more row

What is the age limit for teaching in China? ›

Chinese schools typically consider a specific age range when hiring foreign teachers, mirroring the criteria for their local counterparts. They often prefer teachers between 25 and 45 years old, seeking a balance of experience and energy.

What is the age limit to teach English in China? ›

English teachers in China must have a bachelor's degree (in any discipline) and a 120-hour TEFL qualification to receive a Foreign Expert Certificate and a Z visa (the only legal way to work as an English teacher in China) Previous experience isn't necessary. The maximum age for teaching in China is 55.

Can I teach English in China without a bachelor's degree? ›

Non-native English speakers are required to also have a Bachelor's degree or higher to qualify to teach English in China. This is because the Chinese government has set certain requirements for foreign teachers, including a Bachelor's degree or higher, as part of the visa application process.

What is the difference between TEFL and TESOL China? ›

TEFL and TESOL refer to teaching English as a foreign language to non-native speakers. TEFL mainly focuses on teaching English in non-English-speaking countries, while TESOL refers to teaching English in English-speaking countries.

How can you tell if a TEFL certificate is real? ›

To protect the authenticity of The TEFL Org certificates, each student is given a unique ID which can be used to verify their certificate details. This can be found in the lower left corner of their certificate.

Which TEFL website is legit? ›

International TEFL Academy (ITA) is a reputable and well-known provider of TEFL courses, and its online TEFL certification course is valid and accredited.

Is it a good idea to teach in China? ›

There are so many reasons why you should teach in China: from the people, the food, the unique differences, future opportunities and the awesome travel experiences. But if there's one thing that's certain it's this – when you make the decision to work and teach in China, it's something you'll never regret.

Is it safe to teach in China right now? ›

It can also be a scary proposition for anyone who's planning a teaching stint abroad for the very first time. So is China safe? Well, the short answer is 'YES, absolutely'. Although the long answer is 'as long as you do it right, China is one of the safest teaching destinations out there.

Is learning English hard for Chinese? ›

One of the biggest challenges for Chinese speakers learning English is pronunciation. This is because the two languages have very different phonetic systems. Chinese is a tonal language, meaning that the pitch of the speaker's voice can change the meaning of a word.

Do you need to speak Chinese to teach English in China? ›

This is one of the world's most widely-spoken languages due mainly to China's vast population, and as a tonal language it's vastly different to spoken and written English. It's not essential to speak Mandarin in order to teach English in China.

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