Client Exclusive: How We Helped Rebekah H. Recover After Income Loss Led to More Than $44,000 in Debt
When the pandemic cut into Rebekah’s income she turned to high-interest credit cards just to keep the lights on. Rising costs left her barely scraping by, and her payments barely chipped away at the principal balances. Feeling trapped in a cycle she couldn’t escape, she found Beyond Finance — and with it, a path forward.
Debt Amount: $44,710
Started: December 16, 2024
Savings: $566 a month!*
Meet Rebekah: A Devoted Nurse and Family Caretaker
Rebekah H. is a registered nurse living in Florida who spends her weekends caring for others and her weekdays focused on raising her two amazing kids.
Like many families, Rebekah and her husband navigated lots of challenges during the pandemic. A move, the passing of a parent, and a career shift sent their household into financial turbulence. Without a financial cushion, inflation and unexpected expenses added up and Rebekah turned to credit cards to make ends meet.
We had to live off our credit cards more often than not. We thought we were on a good track, and then several unexpected expenses hit back to back — it was just too much.
How Debt Took Over
The pandemic years were especially hard for Rebekah. She wasn’t working during that time and relying on high-interest credit cards meant huge monthly payments that overwhelmed her already tight budget.
I felt like I was constantly sending every penny we had to our bills and not making any progress. I felt like we would be stuck in that cycle forever.
A New Option She Didn’t Expect
While searching for a debt consolidation loan, Rebekah was referred to Beyond Finance. Skeptical but hopeful, she spent an hour on the phone with a specialist — asking what felt like hundreds of questions. That phone call turned out to be the first real step toward freedom.
I felt so scared and hopeless, but [my specialist] was very kind and told me I could take some time to think it over. I finally called and made my decision.
Real Progress, Real Relief
Since starting with Beyond Finance in December 2024, Rebekah is now saving $566 a month on her eligible payments and now feels like her payments are moving her forward, not holding her back.
“It’s very easy to see how the money I’m putting into the program is taking me in a positive direction, which is completely different than making credit card payments and hardly seeing any change in the balance.”
Beyond Finance’s user-friendly app made it simple for Rebekah to track her progress and stay motivated. Instead of worrying about endless minimum payments, she’s focused on the future.
I have really loved how easy the app is to use. It makes it so easy to see where the money is going and all the good progress you make!
Her Advice: “Ask All the Questions”
Rebekah urges anyone feeling stuck in debt to give Beyond Finance a call and ask lots of questions! She also emphasizes that it’s okay to take some time to think through everything — just like she did.
Take time to think about it and ask all the questions. If you’re seriously struggling, and forward progress is important to you, then absolutely do it!
Looking Forward to More Family Adventures
With her debt no longer controlling her future, Rebekah is finally letting herself dream again — especially about quality time with her family. She is excited to travel and take fun vacations with her family. Thanks to Beyond Finance, that goal is now within reach.
*A quick note about Rebekah’s story: She’s a real client who was compensated for taking the time to share her experience with us. Rebekah’s savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums.