Amanda Kay, Author at Beyond Finance

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Client Exclusive: How We Helped Kathy Y. With More Than $28,000 in Debt

Client Exclusive: How We Helped Kathy Y. With More Than $28,000 in Debt

ByAmanda Kay September 27, 2025May 8, 2026

Out of love and a deep sense of responsibility Kathy took out loans to help family but the burden was more than she could manage.

Read More Client Exclusive: How We Helped Kathy Y. With More Than $28,000 in Debt

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We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates that range from 4.9% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 4 to 84 months. A typical personal loan example has a loan amount of $14,000, a 5.00% origination fee, a 72-month repayment term, and an interest rate of 24.90%. You would receive $13,300 ($14,000 less the $700 origination fee - a prepaid finance charge), and the monthly payment would be $376.36, equating to an APR of 27.18%. The total interest would be $13,090.85, and the total cost of the loan (interest plus origination fee of $700) would be $13,790.85. In this example, the total payments made would equal $27,090.85. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates. Clients pursuing other debt consolidation options who make all monthly deposits, on average, pay back approximately 55% of their enrolled debt before fees. Fees are based on percentages of your enrolled amounts, are usually 25% and are success based. On average, our debt consolidation programs range from 24-48 months in duration. Clients typically save $480 per month on their debt payments.

We cannot offer guarantees on debt consolidation performance. Our services are not available in all states; fees may vary by state. The use of debt consolidation services may adversely affect your credit for a time. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding obligations may increase from the accrual of fees and interest. Certain creditors and types of debts are not eligible for our services. C.P.D. Reg. No. – 21-04861.

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Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences.