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What If an AI Coach Could Cut Your Debt Smarter and Faster?

Household debt is at record highs, and consumers are struggling with expensive credit. U.S. credit card balances hit $1.21 trillion by late 2024, with average interest rates over 22%.

DebtPal – Personal Debt Reduction AI Coach

What We’re Testing

Crush Your Debt—Algorithmically, Not Emotionally.


The average U.S. household carries $10,000+ in revolving credit-card debt at rates topping 22 %. Spreadsheet pay-off plans feel overwhelming, and for-profit “debt relief” often tanks credit scores. DebtPal links all your balances in one click, runs payoff math in seconds, and guides you—step by step—until the last dollar is gone.


Hypothesis: Millennial families will pre-pay $99 / yr for an AI payoff coach if it shows a clear path to zero debt and verifies $1,000+ interest saved.

This Experiment

• Landing page → 10 wait-list sign-ups.

• Offer $99 pre-pay with 30 % lifetime discount.

• Pass if ≥ 30 % of wait-listers pre-pay within 14 days.

Join the Debt-Free Beta

Features

One-Click Debt Import

Securely links credit-card, student-loan, and auto-loan APIs to create a unified payoff timeline—no manual typing, no missed balance.

Snowball vs Avalanche Simulator

Graphs both strategies on your balances, interest rates, and income, then recommends the faster payoff plan—instantly updates when balances change.

AI Support Bot

AI Support Bot

24 / 7 chatbot negotiates lower APRs, payment-plan extensions, or hardship options, logging calls and generating letters you can send with one click.

Call To Action

Import Debts for Payoff SnapshotChat with AI Debt Coach DemoPre-Pay Annual Plan (save 30 %)

Social Proof

"Cut my payoff date by 18 months—finally see the finish line."

- Megan Liu, Seattle

"The AI bot got my APR down 4 points in one call."

- Brandon Ortiz, Phoenix

"Dashboard tells me exactly which card to hit next—no spreadsheet stress."

- Alana Reyes, Austin

Ethics & Privacy Note

 DebtPal sells no user financial data to lenders or advertisers. The AI bot negotiates only with your explicit permission and records transcripts for transparency. All calculations are auditable—no hidden “credit repair” tricks.


We delete experiment data after the study or anytime you ask. 

Frequently Asked Questions

Please reach us at debtpal@gowenplaces.com if you cannot find an answer to your question.

DebtPal uses Plaid read-only tokens—no one can move money. Data encrypted at rest and in transit.

We refresh balances nightly; interest calculations match issuer disclosures down to the cent.

Yes—one click inside the app. You keep access until the end of the paid year; no surprise renewals.

Copyright © 2025 GowenPlaces - All Rights Reserved.  Personal R&D lab operated independently of Geoff Owen’s full-time employer. See the Independence Statement for details. 

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