• Video
  • Shop
  • Culture
  • Family
  • Wellness
  • Food
  • Living
  • Style
  • Travel
  • News
  • Book Club
  • GMA3: WYNTK
  • Newsletter
  • Privacy Policy
  • Your US State Privacy Rights
  • Children's Online Privacy Policy
  • Interest-Based Ads
  • Terms of Use
  • Do Not Sell My Info
  • Contact Us
  • © 2025 ABC News
  • Living

Woman says ChatGPT helped her pay off over $11K in debt

2:27
How ChatGPT helped one woman get out of debt
ABC News
ByGMA Team and Cameron Harrison
July 10, 2025, 6:12 PM

A woman says she turned to artificial intelligence and used ChatGPT for help with paying off thousands of dollars of debt.

Realtor and content creator Jennifer Allan started a 30-day ChatGPT challenge that she shared in a TikTok video series.

"Everyday, I'm asking for one task to make money to pay down my $23,000 in credit card debt," Allan explained in one video post.

Over a month, the wife and mother said she made over $11,000 and paid off $12,078.93 of her $23,000 debt.

Allan credits ChatGPT for helping her get disciplined about reaching her goal, even if the AI tool gave her some quirky suggestions.

"I went from not looking at [my debt] at all to, you know, being in it every day," said Allan.

Related Articles

Woman says she and husband paid off $200K debt in 5 years: Here's how

Realtor and content creator Jennifer Allen used ChatGPT to help her pay off her debt.
ABC News

ChatGPT gave Allan many recommendations, including one unexpected idea that went viral.

"It told me to put my total debt number, to the $23,000, on a watermelon in Sharpie ... and auction it off on eBay as 'debt art,'" Allan said in a TikTok post. That post went viral, reaching over 2 million views.

In a follow-up video post, Allan explained that she had taken a photo of the watermelon with the $23,000 written on it and then later, auctioned off the photo for $51.

But other ChatGPT answers were much more fruitful for Allan, including one idea to search for money she may have forgotten about in apps she had on her phone.

"I went searching through my phone and I found on Venmo I had $100.80 that was sitting there," Allan explained in another video post.

Related Articles

Woman shares her strategy to paying off $20K in credit card debt

Allan also said the journey helped her re-discover other money sources she hadn't thought about in awhile.

"My husband was actually like, 'Oh, didn't we have a brokerage account?'" Allan recalled.

"There's $10,200 sitting in this account that is available. Like I could literally cry right now," she said in a TikTok video.

Editor’s Picks

Americans' credit card debt reaches new record high: Federal Reserve

  • Feb 13, 2025

New rule will remove medical debt from credit reports for millions

  • Jan 07, 2025

How to avoid credit card debt

  • Jul 15, 2024

Allan said nearly half of her credit card debit has been paid off so far.

Although Allan's method worked for her, some financial experts like Noelle Carter, president and CEO of Parachute Credit Counseling, warn ChatGPT and AI should be treated as a tool and not a solution.

"AI can be a powerful assistant to come up with ideas, but, you know, certainly not a substitute for human expertise or critical thinking," Carter said.

Other experts also encouraged people to only spend within their means so as to avoid debt completely.

"A lot of people are dealing with diminished savings and rising debt, so they may not be in a position to make a big purchase or put together a large stockpile," Ted Rossman, a senior industry analyst at Bankrate, told ABC News previously. "Take the long view. It might make more sense to drive your existing car for a bit longer or live with the old kitchen cabinets another year or two."

For more ideas on how to pay off debt, click here to read how one single mom who paid off $34,000 of debt is now empowering other single moms to face their own debts and here for another mom's grocery budgeting hacks that helped her cut down $93,000 in debt.

Related Topics

  • Artificial Intelligence

Editor’s Picks

Americans' credit card debt reaches new record high: Federal Reserve

  • Feb 13, 2025

New rule will remove medical debt from credit reports for millions

  • Jan 07, 2025

How to avoid credit card debt

  • Jul 15, 2024

Up Next in Living—

July's full buck moon is arriving: What it means for your zodiac

July 10, 2025

Nonprofit reunites Camp Mystic campers with 'lost' stuffed toys

July 10, 2025

Woman says ChatGPT helped her pay off over $11K in debt

July 10, 2025

Man bikes across US as father undergoes cancer treatment, fulfilling promises to each other

July 9, 2025

Shop GMA Favorites

ABC will receive a commission for purchases made through these links.

Sponsored Content by Taboola

The latest lifestyle and entertainment news and inspiration for how to live your best life - all from Good Morning America.
  • Contests
  • Terms of Use
  • Privacy Policy
  • Do Not Sell My Info
  • Children’s Online Privacy Policy
  • Advertise with us
  • Your US State Privacy Rights
  • Interest-Based Ads
  • About Nielsen Measurement
  • Press
  • Feedback
  • Shop FAQs
  • ABC News
  • ABC
  • All Videos
  • All Topics
  • Sitemap

© 2025 ABC News
  • Privacy Policy— 
  • Your US State Privacy Rights— 
  • Children's Online Privacy Policy— 
  • Interest-Based Ads— 
  • Terms of Use— 
  • Do Not Sell My Info— 
  • Contact Us— 

© 2025 ABC News