Lending Club, based in Redwood City, Calif., says both sides win, with above-average returns for investors and lower-than-average rates for borrowers. However, it only accepts lower credit risks; roughly 90 percent of prospective borrowers are rejected. Which came first, expensive college textbooks or burdensome student debt? No matter. Chegg resolved this chicken-or-egg question — and also got its company name — by hatching a cost-saving answer. Chegg rents textbooks for just the amount of time you need them. Then you ship them back, Netflix-style. It's much cheaper than buying, the company claims. "The Basic Practice of Statistics" by David S. Moore, for instance, was recently listed as renting for $44.99. Purchase price is $120.95. Also, Chegg plants a tree every time someone rents a book — more than 4 million so far, according to its website. Whether you have space to spare or want to stay in a place with flair, Airbnb matches hosts and guests with a wide range of accommodations around the world.