ChatGPT helps US woman pay off her $23,000 credit card debt

An American woman has reportedly used ChatGPT as her financial advisor to pay off her credit card debt. Jennifer Allan, a realtor and content creator living in the US’ Delaware, turned to the AI chatbot for help in paying off her $23,000 debt.

The 35-year-old told Newsweek that she “struggled with money her whole adult life”.

For a month, ChatGPT gave Allan daily tips and tasks to cut expenses and boost her income.

“Not because I don’t make enough, but because I was never taught financial literacy. I avoided budgeting, and I figured if I just kept working harder, I could overcome the problem. That worked… until it didn’t,” the US-based weekly news magazine quoted her as saying.

Things began to fall apart after her daughter’s birth. “I shut down emotionally, and I used credit cards to keep our life afloat. We weren’t living lavishly. We were just surviving. But the debt piled up while I wasn’t looking,” she told Newsweek.

WHEN JENNIFER ALLAN FINALLY TURNED TO CHATGPT TO CLEAR DEBT

After being inspired by online 30-day challenges, she decided to challenge herself to use ChatGPT every day for a month to pay off the debt — whether that was brainstorming side hustles or just giving her expenses a little structure, according to the report.

Every day, the AI bot gave Allan a single money-saving or earning task — like cancelling a subscription, selling things on Facebook Marketplace, checking for unclaimed funds, or digging for spare change in bags and couches — which ended up making her over $100, the report stated.

One of the biggest breakthroughs during the challenge was uncovering more than $10,000 in unclaimed or forgotten funds.

In June, Allan shared a clip to her TikTok account, revealing she had hit day 30 of her challenge — and over the past month, had paid off $12,078.93 (Approximately Rs 10.08 lakh).

ChatGPT also reportedly helped her save $600 monthly.

CHATGPT AND TIKTOK’S CONSISTENT SUPPORT HELPED ALLAN STAY MOTIVATED

Allan attributed her motivation to ChatGPT’s steady support.

“It wasn’t some big financial hack,” Allan told Newsweek. “It was the act of facing it every day — of tracking it, talking about it, looking at it every day. I stopped being afraid of my numbers. I built a debt tracker. I started sharing my journey publicly. And for the first time in my life, I didn’t feel ashamed. I felt empowered, like I could conquer anything,” she added.

For those facing debt and thinking about a similar step, Allan recommended: “Don’t wait until you feel ready or ‘smart enough’ to start. You don’t have to know all the answers — you just have to stop pretending it’s not happening.”

She advised making the process enjoyable, saying: “For me, using AI gave me a sense of structure without judgment, and TikTok allowed me to hold myself accountable because (the) community I had built was showing up every day waiting for the next task.”

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