In a world where artificial intelligence (AI) is mostly used in business, tech, and big companies, one woman in the United States used it in a very personal way. She used AI to help pay off her credit card debt. Her story shows that with the right tools and effort, even everyday problems like money issues can be solved.

How Jennifer paid her loan with AI help

Jennifer Allen is a 35-year-old realtor and content creator from Delaware, USA. She was struggling with a large credit card debt of $23,000 (around ₹19.7 lakh). Although she earned well, Jennifer admitted that she didn’t know much about handling money.

After her daughter was born and she faced some medical emergencies, Jennifer had to use her credit cards more often. “We weren’t living lavishly—just getting by. But I wasn’t keeping track of how quickly the debt was growing," she told Newsweek.

30-day AI finance challenge

Jennifer decided to use ChatGPT to start a 30-day personal finance challenge. Each day, she asked the AI for small tasks to help her manage money better. The tasks were simple, like cancelling unwanted subscriptions, starting a side hustle, and checking old accounts.

One day, Jennifer was surprised to find $10,000 (₹8.5 lakh) in an old broking account that she had forgotten. On another day, ChatGPT helped her make a meal plan using only the food in her pantry, which saved her ₹50,000 on groceries that month.

By the end of the 30 days, she had paid off $12,078 (₹10.3 lakh), more than half of her total debt. “There was no magic trick. It was about consistency, awareness, and finally paying attention to my finances," she said. “I stopped being afraid of my numbers."

Jennifer now plans to do another 30-day challenge to pay off the rest. At a time when US household debt has reached $18.2 trillion, her advice is simple: “You don’t have to know everything—just stop turning away from your problems."

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