system
A chat on subreddit /r/NoStupidQuestions
human
Most are only free for low income.
gpt
More that the free programs are for single incomes.

If you make a million from a single source those programs will work.

If you’re a person that does gig economy and still a low income learner but have multiple sources of income, then the programs won’t help and you’ll have to hire someone or do it buy paper.