As Americans enter the New Year under growing financial uncertainty, January’s Financial Wellness Month arrives at a critical moment.

Beyond Finance’s recent survey reals that while nearly half of Americans plan to make financial New Year’s resolutions, 83% let their financial resolutions from last year slip.

Ramirez began working with Beyond Finance in November of 2023 and, with the company’s support, shortened her projected repayment timeline from roughly 11 years — based on minimum payments — to four and a half years.

Beyond Finance, the nation’s largest debt consolidation organization, earned top honors in the 2025 Best in Biz Awards, including Gold in the Customer Service Team category.

Edward Rider, a Beyond Finance employee and client graduate, joined other veterans and military recruits to march in the New York City Veterans Day Parade today with Wounded Warrior Project.

The holidays may sparkle, but for millions of Americans, they also bring deep financial anxiety and emotional strain. In a new national survey commissioned by Beyond Finance, 65% of the 2,000 respondents said it’s nearly impossible to know how much they can safely spend this season, while two-thirds (66%) say there’s an unhealthy cultural pressure to buy gifts even when they can’t afford to.