Employee Client Exclusive: Rebecca C.’s Full-Circle Journey With Beyond

The universe spared no expense throwing financial challenges her way and she had to lean on help from her credit cards to get by. But just as fate had overwhelmed her with challenges, it also delivered an unexpected path forward — first in the form of a job at Beyond Finance, and then as the opportunity to become a client. 

Beyond Finance gave Rebecca a new sense of purpose, a path to stability and a future she could finally look forward to.

Meet Rebecca: Beyond Finance Employee And Mom

Based in Houston, Rebecca leads a team at Beyond Finance, where she coaches agents on empathy, transparency, and building trust with clients. At home, she is a single mom of five children.

Joining Beyond was a deliberate choice — a chance to use her skills in a place that truly makes a difference.

I was looking for somewhere to work that contributed to something good. Beyond was everything I hoped it would be.

How Debt Hit Overnight

In January 2023, Rebecca went from a two-income household to supporting her family on her own. The timing couldn’t have been worse. Medical costs, repeated car breakdowns, a hurricane, and home repairs piled on. What had once been a carefully managed budget became maxed-out credit cards with balances climbing higher from interest.

After years of being debt-free (aside from her mortgage) her situation snowballed into more than $17,000 of credit card balances that were totally unmanageable. 

Life happens hard and fast. I went from no debt to too much, and I was terrified I couldn’t even cover basic expenses.

Just months later, in November 2023, Rebecca joined Beyond Finance as an employee, drawn to the company’s mission of helping people through financial struggles. By spring 2024, she found herself enrolling as a client too, discovering firsthand the same relief Beyond had been providing to others.

I went from having zero debt except for my house to too much debt in just two years. It was terrifying.

Realizing It Was Time For a Change

At first, when she started to work at Beyond, Rebecca resisted enrolling. For months, she convinced herself her situation wasn’t bad enough to need help and she should handle it alone. Eventually she realized that by resisting the help she so freely gave to her clients, she was holding herself back! She was worthy of the same help and understanding that she gave to clients every day.

I finally asked myself, what am I waiting for? Why am I putting myself through this when I know there’s a solution right at my fingertips?

Turning To Beyond As A Client

By spring 2024, Rebecca enrolled around $17,000 of debt into Beyond’s program. Her eligible monthly payments dropped from $597 to $187 — a number she could finally manage.

The relief was immediate.

As soon as I finished my enrollment call, I cried. It was like something heavy had been lifted off my shoulders.

Walking In Her Clients’ Shoes

Experiencing the program firsthand gave Rebecca new insight into what clients feel. She understands their stress and the importance of clear, compassionate communication.

Don’t sugarcoat — be compassionate and clear. Clients need to know what’s up. Neutral information helps them make informed choices.

Advice For Others: “You Didn’t Fail”

For Rebecca, one of the hardest parts of debt was the shame that came with it. Now she encourages others to let go of that weight.

You didn’t fail. You did the best you could with what you had. Seeking help takes strength and courage — and it means you’re ready for something better.

A Full-Circle Future

Rebecca never imagined she would ever be in debt or end up working for a company that offers the exact kind of help she needed. But she’s grateful that fate took her down this path. 

Ultimately, her story is proof that life can change quickly — and for the better if you keep an open mind and accept the support and help that you need.

Today, she proudly brings her personal debt experience to work with her every day because it helps her help others and for her that’s the best possible outcome for what has been a transformative journey in her life.

It feels full circle. I believe in what we do here, and now I get to live it — both as an employee and as a client.

*A quick note about Rebecca’s story: She’s a real employee and client. Savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums. Typical clients save $480 on their monthly payments.