03-07-2025
This Realtor Repaid A Loan Of Rs 10,30,000 With The Help Of ChatGPT
A woman used ChatGPT to repay Rs 10.3 lakh of debt in 30 days. From budgeting to finding lost funds, AI helped her regain control of her finances
In a world where Artificial Intelligence is changing how we work, create, and solve problems, one woman found a way to use AI not for tech or business, but to dig herself out of crushing personal debt. Her story proves that smart tools, when used wisely, can make a real impact on everyday lives.
How This Woman Repaid Her Loan
Artificial Intelligence is transforming countless sectors, from data analysis and automation to streamlining routine tasks. But one woman in the United States took this transformation a step further, using AI to help repay her credit card debt. Jennifer Allen, a 35-year-old realtor and content creator from Delaware, USA, used ChatGPT to tackle more than half of her $23,000 (around ₹19.7 lakh) credit card bill.
Although she had a decent income, Jennifer lacked financial literacy. After her daughter's birth and a series of medical emergencies, she found herself increasingly reliant on credit cards. 'We weren't living lavishly—just getting by. But I wasn't keeping track of how quickly the debt was growing," she told Newsweek.
The 30-Day AI Finance Challenge
Determined to take control of her finances, Jennifer committed to a 30-day personal finance challenge using ChatGPT. Each day, the AI recommended simple but practical tasks—such as cancelling unused subscriptions, launching a side hustle, and reviewing forgotten accounts.
On one of those days, Jennifer discovered $10,000 (Rs 8.5 lakh) sitting in an old brokerage account—something she had long forgotten. On another day, she used ChatGPT to create a pantry-based meal plan, cutting down her grocery bill by Rs 50,000 a month.
The Results Of Using ChatGPT
By the end of the 30 days, Jennifer had repaid $12,078 (Rs 10.3 lakh), more than half of her outstanding 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 complete another 30-day challenge to clear her remaining debt. Her journey comes at a time when household debt in the US has surged to $18.2 trillion, according to the Federal Reserve Bank of New York. For those struggling with similar challenges, her advice is simple: 'You don't have to know everything—just stop turning away from your problems."
First Published:
July 03, 2025, 12:49 IST
