Loans & Money: AI Debt Coach is a digital debt-management service that helps people turn their financial details into a practical repayment plan. Users enter their debt balances, interest rates, and due dates, and the AI generates personalized guidance based on the information provided and their repayment capacity. The plan can prioritize debts, outline suggested monthly payments, and estimate a payoff timeline, while offering budgeting ideas to help users reduce expenses and avoid late fees.

The service is designed to make debt repayment clearer and easier to follow, with step-by-step guidance and progress tracking to support motivation and accountability. Users can save their consultation as a downloadable PDF, which presents their debt overview, repayment priorities, timeline, payment breakdown, and lifestyle tips in one report. The company says recommendations are tailored to each user’s circumstances and that it does not request sensitive information such as Social Security numbers or credit card details.