Employee Client Exclusive: How We Helped Edward Tackle $70K in Debt
Edward W. brings a unique perspective to the client experience because of his role as a Consolidation Specialist with Beyond Finance. As both an employee and a program client, he understands the emotional weight of debt firsthand and can directly relate to our clients through their shared experiences.
Debt Amount: $71,100
Started: October 2023
Monthly Savings: $1,463 (⏷ 67%)
Meet Edward: Consolidation Specialist and Employee Client
Edward joined the Beyond Finance team as a Consolidation Specialist after a decade-long career as a loan officer.
When he became frustrated with the $70,000 in credit card debt he had accrued while working as a loan officer, he knew exactly where to turn — the very program he now shares with clients every day.
Enrolling with Beyond Finance immediately cut his payment by $1,463 a month.
The relief was immediate and reinforced what Edward already knew, what we do works and it makes a big difference.
“Having lived through the process, I can speak from experience: the roadmap we share really works.”
How Edward Got Into Debt
Early in his lucrative career as a loan officer, Edward embraced credit cards for everyday expenses and unexpected purchases. When the lending industry suffered a downturn, his commission income declined almost overnight. Balances that once felt manageable soon spiraled under mounting interest and overwhelming minimum payments.
“I had over $70,000 in debt and it felt like a ton of bricks weighing me down. Making minimum payments wasn’t working for me—I knew I would never get that balance paid off.”
The Journey from Beyond Finance Employee to Proud Client
Everything shifted when Edward took a job with Beyond Finance. As a Consolidation Specialist he spent his days helping people in debt find a consolidation option that was right for them.
He heard hundreds of debt stories and the experience was like holding up a mirror to his own situation.
“As a client myself, I understand the shame and fear people feel when they call in—I’ve been there.”
Advice for Others: “Take That First Step”
Edward acknowledges that the hardest part for most people is picking up the phone. He urges anyone feeling trapped by shame or fear to reach out for a free consultation because people like him will be on the other hand.
As a Beyond Finance specialist he listens without judgment, and helps people explore their options. His own experience has deepened the compassion and expertise he brings to every client conversation.
“I would say to someone that’s scared to take that first step that we’re here to help.”
An Exciting New Future for Edward
With his program on track, Edward has already restarted his savings contributions and is planning to explore homeownership. He looks forward to investing again and advancing in his career without the burden of debt.
“After signing up, I immediately saved over $1,400 a month—being able to rebuild my savings was huge.”
A quick note about Edward’s story: He’s a real client and employee who was compensated for taking the time to share his experience with us. Edward saved 67% on his eligible monthly payments and his savings were calculated by subtracting his program payment from his self-reported payments or tradeline minimums on eligible accounts.