Lisa and Tim Gurganus, like millions of Americans, are knee-deep in credit card debt, seeking solutions to manage their financial burdens.

"We have a circle of debt. We're in the center, and debt surrounds us. Yes, debt surrounds us," they said. Tim Gurganus described the situation as "stressful."

Getting out of debt requires discipline, sacrifice, and sometimes, innovative solutions. Artificial intelligence is gaining popularity on social media as a potential financial advisor.

Emanuel Rivero from Money Management International, a nonprofit credit counseling service, expressed surprise at the rapid advancements in AI financial models.

"I didn't see it coming," Rivero said. He noted, "I've just been very impressed with how fast things have been moving with AI models, financial models,

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