People drowning in debt are turning to ChatGPT for help: ‘I need to do something about it’

Jenn Allan, a realtor from Delaware, found herself in a ton of debt a few years ago, but with the help of AI — she’s managed to pay off half of it.

She began posting her journey to being debt-free on her TikTok account @_jenn.allan, back in October 2024, but it wasn’t until she turned to ChatGPT for help that her debt started to rapidly decrease.

After enduring what she called a “traumatic birth” back in 2023 that landed her daughter in the NICU, Allan quickly racked up $23,000 in credit card debt when she was forced to take a break from work due to severe postpartum depression, according to the Daily Mail.

The mom found herself in a ton of debt, just a few years ago. TikTok/@_jenn.allan

Feeling desperate, Allan turned to AI for some help.

The mom sent the following prompt to the chatbot: “I am in credit card debt, I don’t know how much credit card debt I am in but I need to do something about it and I don’t know where to start,” according to the outlet.

The bot suggested Allan organize herself by creating a “debt repayment tracker in Google Sheets” to figure out how much money she was in the hole for.

From there, every day for a month, she was to complete a new task to help her pay back some of the owed money.

Breaking it down into a 30-day challenge also helps debt repayment seem less daunting, Allan said. Kittiphan – stock.adobe.com

“Some of the ideas actually made me money right away — and [overall it] kept me accountable every day,” she told the Daily Mail.

In addition to her 30-day challenge, ChatGPT helped her learn about new side hustles she could take on for extra cash. It also provided her with meal ideas so she could cook at home more.

After putting in the work with help from her trusty AI tool — the 35-year-old managed to pay off $12,000 of her debt, as of July 2025.

And she isn’t the only one following this method to become debt-free.

TikTok user @budgeting.out.loud shared in one of her videos that she has a goal to pay off $26,503 in debt in just 9 months, with the help of ChatGPT.

“Being debt-free is the dream. Being financially free is the dream and doing it as fast as possible is the goal,” she said in one of her videos.

The content creator revealed that with a simple prompt to the chatbot, she has managed to already knock off over $2,000.