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I want my pilot to earn more money but almost all courier contracts have a huge collateral and agency distribution missions have a tiny pay. What else can I do to earn ISK?
ty 
Diversify your income.
Try some Planetary Production, try some marketeering, give PvE a shot and hunt down some NPC pirates. EVE is a huge game, and you should be trying out every aspect of the game. Don’t limit yourself to just a small niche of public courier contracts.
If you absolutely want to be a hauler and nothing else, look at corporations such as RedFrog/BlackFrog, PushX, etc. and join them to take advantage of their regular customers. Or start your own corporation and advertise your shipping and hauling services at competitive rates.
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If you want to make stupid amounts of money with a hauler, max out NPC mission/hauling skills and do LvL 4 hauling missions in LS. Easily make 40-80M an hour with minimal risk. If you are really good (and lucky), maybe even double that.
*** disclaimer ***
This excludes the time to change the LPs to something else and also assumes you are flipping for good things. Also, it’s in LS so…pucker-up! But the ship is dirt cheap so if you go boom then meh…
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Ty 
Even in highsec you can do quite well with level 4 distribution missions if you run them in a fast ship like a Blockade Runner. A lot of the value is in the loyalty points so train the distribution connections skill. I traded my LP for faction blueprints and made a lot of ISK selling the ships and modules - some of them are very profitable, even if you buy the tags.
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