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 Or, maybe you have some extra cash and you'd like to invest your money in people. Becoming a lender might be the right move for you. There's even a special niche of social lending, called microlending, that gives you a chance to lend money to entrepreneurs in undeveloped and poor countries. On Kiva.org, you can lend as little as $25 and make an impact on someone's life.

The current recession has created even more opportunities in social lending. And it's not a fad, it's here to stay. In fact, social lending has been named one of the Top 20 Breakthrough Ideas for 2009 by Harvard Business Review. And Javelin Strategy & Research (December 2007) predicts that the demand for person-to-person lending services may grow from $38 billion to $159 billion by 2012.

The Complete Idiot's Guide to Person-to-Person Lending covers two of the major social lending sites, Prosper and LendingClub, as well as newcomers to the field. You'll also find a chapter devoted to obtaining student loans. If you've been wondering how you're going to pay for either your own education or your children's, you might find that a P2P loan is an option.

Check in with my blog, Live Well on a Dime, or follow me on Twitter to get updates on this fascinating industry. Things move fast in social lending, so fasten your seatbelt for a bumpy ride!
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The Complete Idiot's Guide to Person-to-Person Lending gives you inside information on the phenomenon of social lending. Are you having problems getting a loan in this economy? Then becoming a borrower on a social lending Web site might be an option for you.
 The Complete Idiot's Guide to Person-to-Person Lending (Alpha Books/Penguin) is available now at major bookstores and on Amazon. Become a fan on Facebook. My co-author is nationally-recognized consumer advocate and educator Curtis E. Arnold, of  CardRatings.com.