The effectiveness of load-reduction techniques often diminishes due to creep behavior observed in geomaterials, as loess backfill is used, the load reduction rate of high-filled cut-and-cover tunnels (HFCCTs) after creep will decrease by 10.83%, posing a threat to the long-term stability of deeply buried structures such as HFCCTs. Therefore, a geotechnical solution is crucial to ensuring sustained effectiveness in load-reduction strategies over time. This study utilizes a finite-difference method to examine three promising measures for mitigating creep effects. Our analysis focuses on the time-dependent changes in earth pressure atop the cut-and-cover tunnel (CCT) and the internal distribution of cross-sectional forces, including bending moment, shear force, axial force, and displacement. Results indicate that the creep behavior of load-reduction materials significantly influences the internal force distribution. Furthermore, sustained load reduction is achieved when utilizing low-creep materials like dry sandy gravel as backfill soil, which needs to be borrowed from other sites. Additionally, integrating concrete wedges with load-reduction techniques facilitates a more uniform stress distribution atop CCTs.