Using ChatGPT properly helps users get out of debt
As many people are struggling with debt, ChatGPT is emerging as an effective tool to help control and ease the burden of personal finances.
Debt relief success stories
Jenn Allan, a 35-year-old real estate broker in Delaware (USA), is one of the typical cases showing the power of AI in debt management.
After going through a traumatic birth in 2023, when her daughter had to be treated in the Neonatal Intensive Care Unit (NICU) and she herself fell into postpartum depression, Jenn was forced to take a break from work.
As a result, she quickly fell into debt of up to 23,000 USD (more than 600 million VND) just from basic daily expenses.
In a pinch, Jenn turned to ChatGPT with a simple question: "I'm in credit card debt, I don't know how much I owe, but I need to do something and I don't know where to start." The AI chatbot not only offered advice but also guided her through creating a debt tracking spreadsheet on Google Sheets - an important first step to getting a clear picture of her financial situation.
ChatGPT guided Jenn through a "30-day debt-free" challenge with small tasks assigned each day such as reviewing expenses, selling old items, cooking for herself to save money, or finding a side job. Jenn shared:
"Some of the ideas actually made me money right away and importantly it made me feel more accountable to myself every day."
With ChatGPT's regular support, in less than a year, this woman paid off her $12,000 (VND 313 million) debt, as of July 2025.
Jenn is not alone. A TikTok user with the handle @budgeting.out.loud also attracted the attention of the online community when sharing her goal of paying off $26,503 in debt within 9 months.
With just a simple reminder from ChatGPT, she found a way to earn more than $2,000 (VND 52 million) - something she previously thought was impossible.
New trends in personal financial management
These stories show that ChatGPT is not just a question-answering tool, but can also act as a "financial advisor" to help users plan, motivate, and maintain healthy financial habits.
This AI tool is capable of analyzing personal financial situations, suggesting specific steps, and systematically tracking progress.
In the context of AI becoming increasingly popular, applying tools like ChatGPT to personal spending management is opening up new approaches - simple, easy to implement but bringing unexpected effectiveness.
While it cannot completely replace financial experts, AI is clearly proving its ability to accompany and support many people in their debt-free journey.
The popularity of ChatGPT in personal debt management not only reflects the urgent need for financial advice, but also shows the great potential of AI technology in solving real-life problems.
With 24/7 access, no fees, and personalized advice, ChatGPT is becoming a viable solution for those looking for support in managing their personal finances.
