of 7— Create a ChatGPT account

What you'll accomplish

By the end of this guide, you'll have a personal prompt library in ChatGPT — a saved collection of tested, ready-to-use prompts for every common condition type you handle. Instead of thinking about how to phrase a prompt, you'll copy-paste from your library, fill in the borrower details, and get a finished letter in under 2 minutes.

What you'll need

ChatGPT account (free tier works; ChatGPT Plus not required for this guide)
A plain text document or notes app to save your prompts (Google Docs, Word, Notepad)
Time needed: 20-30 minutes to build; under 2 minutes per use after that
Cost: Free

How-To Guide: Build a Condition Letter Prompt Library

Step 1: Create a ChatGPT account

Go to chatgpt.com
Click "Sign up" — use your email or Google/Microsoft account
Complete the brief setup (no payment required for the free tier)

What you should see: The main ChatGPT chat interface.