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How do I use AI to pay down debt?

Jennifer Allan asked ChatGPT for one money task every day. She paid off $12,078.93 of credit card debt in a month, much of it from a brokerage account she had forgotten.

Steps

  1. Tell the AI your total debt and ask for one concrete money task per day.
  2. Do the task, and report back what you found.
  3. Expect some ideas to be quirky. Keep the ones that turn up real money (old accounts, unused balances, subscriptions).
  4. Ask it to compare payoff strategies, but check interest rates and terms with your lender.
  5. For serious debt, talk to a nonprofit credit counselor.

Prompts

Real prompt used by Jennifer Allan, describing her daily request (ABC News) · Source ↗

Everyday, I'm asking for one task to make money to pay down my $23,000 in credit card debt

Recommended tools

ChatGPT · Grok Bot (opens in our AI Directory)

Watch out: Results vary: most of her total came from one forgotten account. ABC quotes a counselor saying AI isn't a substitute for expert advice.

The real plays behind this guide