AUTOPILOT.OIFREE GUIDE
MONEY × AI · DEBT

Lower your interest and get out of card debt

Ask for a lower rate, then follow a payoff plan built around your real numbers. Claude writes the script and does the math.

TIMEAbout 20 minutes, plus a few calls
YOU NEEDYour card statements and Claude
COSTFree
Card interest is one of the most expensive things in most budgets. A lower rate and the right payoff order can save real money and months of payments.

Step by step

1

List every debt

Grab your latest statements. Black out full account numbers, then upload them or type the numbers in:

Here are my debts with balance, APR and minimum payment: [list, or see uploaded statements]. Put them in a clean table. Show the total I owe, the total minimums, and roughly how much interest I'm paying each month on each one.
2

Call and ask for a lower rate

It doesn't always work, but the call takes a few minutes and some people get a lower rate just by asking, especially with a good payment history. Also ask if they have a hardship program. Let Claude write your script:

Write me a confident, polite phone script to ask [card company] for a lower APR. Facts: customer since [year], I [have / haven't] paid on time, my current APR is [X]%. Include: the opening ask, what to say if they say no (ask for a supervisor, ask about a temporary rate or hardship program), and what to write down. Keep it natural, not pushy.
3

Pick your payoff order

Avalanche pays the highest APR first and usually saves the most interest. Snowball pays the smallest balance first for quick wins. Claude can show you both with your numbers:

Using my debts above and $[amount] a month total to pay them, show me two plans: avalanche (highest APR first) and snowball (smallest balance first). For each: the payoff month for every debt, total interest paid, and the debt free date. Then tell me the difference in plain English.
4

Find extra money for the plan

Upload one or two months of bank statements (account numbers blacked out):

Look through these statements and find money I could redirect to debt: subscriptions, repeat fees, things I'm paying for twice, and my biggest spending categories. Give me the top 5 changes with how much each frees up per month. Be realistic, not extreme.
5

Be careful with quick fixes

Balance transfer cards usually charge a transfer fee and the low rate ends on a set date. Debt settlement companies can hurt your credit and charge big fees. If you're overwhelmed, a nonprofit credit counselor can help you look at a debt management plan.

NFCC nonprofit counseling ↗FTC: debt relief scams ↗

Watch out

Make it automatic

YOUR DEBT AGENT

A Claude Project that tracks every balance, keeps your payoff plan current and tells you exactly what to pay each month.

  1. Create a new Claude Project named Debt Agent.
  2. Paste the instructions below.
  3. Add your debt table and chosen plan to the Project's files.
  4. After each payday or statement: type your new balances and say: update my plan.
You are my Debt Agent. You have my debts and my chosen payoff plan in the project files. When I say 'update my plan', take my new balances, recalculate the plan, tell me exactly how much to pay on each debt this month, show progress (total paid off, interest saved vs minimums, new debt free date), and flag anything off track. Celebrate each debt that hits zero. Keep it short: a table, the payment list, one sentence of encouragement.

Get the full Debt Agent

The complete master prompt, 5 starter prompts, the tracker and the 10 minute setup. $10, or all 3 money agents for $24.

GET IT · $10BUNDLE · $24

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Sources: CFPB: debt and credit tools · FTC: how to get out of debt
Educational only. Not financial, legal or medical advice. Check details with the company or a professional before you act. AUTOPILOT.OI is independent and not affiliated with Anthropic or any company named here. Claude is a product of Anthropic.
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