A woman has revealed how ChatGPT helped her pay off over $12,000 of her debt using easy money-saving hacks.

Jenn Allan, a 35-year-old real estate agent from Delaware, shared with the Daily Mail that she went through a ‘traumatic birth,’ which led to her newborn daughter requiring care in the NICU.

The ordeal racked up a ton of medical bills, and forced her to take a lot of unpaid time off work.

Between not being able to work and the immense medical expenses, Jenn soon found herself $23,000 in debt. 

She had no idea how to even start paying it off, so she decided to turn to ChatGPT for help.

‘I already rely on ChatGPT daily for my business—whether it’s for marketing, administrative tasks, or practically everything—so when I chose to finally tackle my debt, using ChatGPT seemed like a natural step,’ she stated.

‘ChatGPT pretty much knows everything else about me so it made it very easy to talk to it about my debt and helping me to find ways out of it.’

In May, she gave the AI chat system this prompt: ‘I’m in credit card debt, I’m unsure of the total amount, but I know I need to address it and don’t know where to begin.’

Jenn Allan, 35, a realtor from Delaware, has revealed how ChatGPT helped her pay off over $12,000 of her debt

The program ‘built a 30-day challenge’ to pay off her debt, giving her a new task to complete every day for a month (stock image)

The program then helped her ‘create a debt repayment tracker in Google Sheets’ to determine the total she would have to pay back. It then ‘built a 30-day challenge’ to pay off her debt.

That meant every day for one month it would give her a new task to complete, ranging from canceling subscriptions she didn’t really need to selling unused items on Facebook marketplace. 

‘Some of the ideas were kind of wild, but they were fun,’ she dished. ‘Some of the ideas actually made me money right away – and [overall it] kept me accountable every day.’

One of the most affective things that ChatGPT had her do was ‘look on her state’s website for unclaimed money.’

According to the Missouri State Treasury, ‘Unclaimed Property consists of cash from bank accounts, stocks, bonds and contents of safe deposit boxes that have been abandoned.’ 

ChatGPT also created a ‘meal plan’ for Jenn so she was inspired to cook at home and cut down costs on eating out and call her credit card company and ask if she could lower her interest rate.

It introduced her to easy side hustles she previously had no idea about. These included encouraging her to sign up for a program called User Testing that pays people to try out new products as well as the company Rover, which pays people to walk or look after their pets.

It even had her search for extra coins around her house, including in her couch cushions, and she ultimately found roughly $50 worth of change.

One of the days it had her search for extra coins around her house, including in her couch cushions, and she ultimately found roughly $50 worth of change

Another bizarre but affective thing it recommended was to sell her junk mail to a company called Small Business Knowledge Center.

On its website, the business states it will give you ‘points’ that can be used towards gift cards for the following junk mail items: ‘Insurance and financial materials including Insurance, Annuities, Accidental Death, Auto, Critical Illness, Dental, Disability, Group/Individual Health, Investments, Life (VUL, Term, etc.), Long Term Care, P&C, Worksite Marketing etc.’

‘Types of materials could be carrier newsletters, product brochures, updates, sales kits, direct mail solicitations, plan guides, sales kits, CD’s/rates software, new product announcements, sales contests or promotions etc.’ it adds.

‘Our Insurance and Financial Services clients use this information for competitive intelligence and product development purposes.’ 

She also sold old photos she had taken to Shutterstock as well her own plasma – the liquid component of your blood.

GoodRx states of the latter, ‘It’s possible to make $30 to $70 or more each time you give plasma.’

Other suggestions from the AI robot included switching cell phone providers for a cheaper service, signing up for ‘cash back apps,’ looking for old gift cards she might have forgotten about, and cashing out any reward points she may have built up. 

Most importantly, Jenn explained that ChatGPT helped change her mindset about debt by giving her encouraging and positive comments along the way and making her feel like it was possible. 

It also suggested canceling subscriptions she didn’t really need, selling unused items on Facebook marketplace, and switching cell phone providers for a cheaper service

Most importantly, Jenn explained that ChatGPT helped change her mindset about debt by giving her positive comments along the way and making her feel like it was possible

‘I went from, “What am I going to do?” to, “I can pay this off and I can do it quickly,”‘ she explained.

‘ChatGPT didn’t do the work for me but I was able to use it as a tool not only as a supportive best friend but also with ideas that I didn’t think of.’

In the end, she paid off roughly $12,000 of her $23,000 debt.

She documented the entire endeavor on her TikTok account, where her videos have gone viral, raking in hundreds of thousands of views.

And she hopes that sharing her story will help others cut down their debt like her.

‘[I didn’t expect to go viral]. I was just trying to stay accountable. But I think the reason people connected with it is because it’s relatable,’ she concluded. 

‘A lot of comments were others saying they were in debt too and that this motivated them to make an extra debt payment or even get serious about paying it off.’