Client Exclusive: How We Helped Jenifer S. Rebuild Her Life After Divorce
After a 30-year marriage came to an end, Jenifer S. found herself facing a new beginning she never expected. Suddenly, she was on her own, starting from scratch, navigating unfamiliar financial terrain and trying to stay afloat. Like many during life’s hardest transitions, she turned to credit cards to make ends meet. But before long, the growing debt became a source of constant stress, disrupting her sleep and sense of peace.

Debt Amount: $43,300.48
Started: March 5, 2024
Monthly Savings: $440.42 (⏷38%)*
Meet Jenifer: A Florida Nurse Finding Her Way Forward After Divorce
Now remarried and living in Florida with her husband and two goldendoodles Jenifer is embracing a new chapter. As a nurse, she’s spent her life caring for others, but after her divorce, she had to learn how to extend that same compassion to herself.
“I’ve always worked hard, always taken care of people. But after the divorce, I was the one who needed taking care of — and I didn’t know how to ask for that.”
How Jenifer Got Into Debt
The divorce left Jenifer with not just emotional upheaval but a financial one, too. Moving, setting up a new home, and handling every bill on her own added up fast. With no one else to lean on financially, credit cards became her safety net.
“All I could do was think about my debt and how I was going to survive. I couldn’t sleep. It was all-consuming and I didn’t know how to fix it.”
Reaching the Breaking Point
As her balances climbed, so did the anxiety. Eventually, Jenifer realized she couldn’t keep trying to handle it all by herself.
What she needed was a way out and peace of mind and she’d only be able to get this if she reached out for help.
“As a last resort to save my sanity, I decided to ask for help. I found Beyond Finance on Facebook and made the call. My first phone call was like a weight was lifted off my shoulders — like there was still hope. Now, I feel like I can finally move forward.”
Relief With a Plan She Could Afford
Beyond Finance worked with Jenifer to help her start a plan that reduced her enrolled monthly payments from $1,142.00 to just $701.58, a difference of $440.42 every month. That kind of breathing room gave her back the stability and confidence she had been missing.
“That payment was something I could actually manage. For the first time, I didn’t feel overwhelmed. I finally felt like I could breathe.”
Jenifer’s Advice: “Don’t Wait. Just Do It.”
Jenifer knows what it’s like to feel ashamed about debt and unsure where to turn. Her message to others who feel stuck is simple: don’t wait to take back your life.
“Just do it. Make the call. You don’t have to be embarrassed. You’re not alone. I waited way too long to ask for help. Don’t do what I did. Get help now and start feeling better sooner.”
Looking Ahead With Hope
These days, Jenifer is focused on what matters most — her family, her health, and her future. She’s resting better, worrying less and planning for the life she deserves. With the help of Beyond Finance, she’s no longer weighed down by the past.
“I feel free. I’m finally sleeping at night. I’m living again instead of just surviving.”
*A quick note about Jenifer’s story: She’s a real client who was compensated for taking the time to share her experience with us. Jenifer saved 38% on her eligible monthly payments and her savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums on eligible accounts.