New Delhi, June 7 -- I acted as an individual tangled by multiple loans. I want to be debt-free by the end of 2027. I asked ChatGPT to help me plan this accordingly.

I have a 5-year personal loan that ends in 2030 and a 7-year car loan that ends in 2029. On top of that, I also regularly convert annual insurance premiums and travel spending into credit card EMIs, so debt never really leaves my life. One EMI finishes and another starts.

This is June 2026, and I want ChatGPT to help me become completely debt-free by 31 December 2027.

I do not want generic debt advice. I want a mathematically-realistic, psychologically-sustainable and cash-flow-aware repayment strategy.

Please assume:

This is important. I routinely convert:

into EMIs. ...