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Delaware Realtor Halves $23,000 Credit Card Debt With ChatGPT, Launches New AI Challenge

She plans a fresh 30-day campaign to eliminate the remaining balance after AI-driven guidance slashed more than $12,000 of her credit card debt.

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Allan thought of using AI to give her the “momentum” to pay off the credit card debt.
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Overview

  • Jennifer Allan used daily ChatGPT prompts over a 30-day period to pay off $12,078.93 of her $23,000 credit card balance.
  • Suggestions included cancelling unused subscriptions, planning meals from pantry staples, selling items on Facebook Marketplace and brainstorming side hustles.
  • A prompt to review dormant accounts led her to recover more than $10,000 in unclaimed funds.
  • She shared progress on TikTok, saying public accountability helped her build consistent financial habits and overcome shame.
  • With half her debt cleared, Allan is set to embark on a second AI-driven 30-day challenge to eliminate the remaining balance.