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Home / financial therapy
Experts Agree That Americans in Debt Can Still Use a Financial Advisor

Experts Agree That Americans in Debt Can Still Use a Financial Advisor

ByShawn Paul Wood September 5, 2024September 10, 2024

Can you use a financial advisor if you are “in debt”? Beyond Finance client financial therapist Nathan Astle believes so. Here’s why.

Read More Experts Agree That Americans in Debt Can Still Use a Financial AdvisorContinue

National Wellness Publication Asks Dr. Erika for Budgeting Advice

National Wellness Publication Asks Dr. Erika for Budgeting Advice

ByShawn Paul Wood July 11, 2024July 11, 2024

“BestLife” is a U.S. publication helping American reach wellness on every level, including financial, as our Dr. Erika shares about budgeting

Read More National Wellness Publication Asks Dr. Erika for Budgeting AdviceContinue

New Monthly Article in “Psychology Today” Discusses Financial Secrets

New Monthly Article in “Psychology Today” Discusses Financial Secrets

ByShawn Paul Wood June 10, 2024December 2, 2024

This month’s “Psychology Today” column from Nathan Astle, CFT-I, explores the stressors and solutions behind financial secrets in couples.

Read More New Monthly Article in “Psychology Today” Discusses Financial SecretsContinue

The Emotional Side of Money and the Harmful Way of Moralizing It 

The Emotional Side of Money and the Harmful Way of Moralizing It 

ByShawn Paul Wood May 30, 2024January 24, 2025

Introducing the first of many monthly submissions from our Nathan Astle in “Psychology Today.” This one about “The Emotional Side of Money.”

Read More The Emotional Side of Money and the Harmful Way of Moralizing It Continue

Beyond Finance Continues Advocacy for Mental Health Awareness Month: Bridging Financial Wellness and Mental Health Betterness

Beyond Finance Continues Advocacy for Mental Health Awareness Month: Bridging Financial Wellness and Mental Health Betterness

ByShawn Paul Wood May 20, 2024May 20, 2024

Following Financial Practice Week, Beyond Finance continues to advocate its premise–the mental health of consumers related to money.

Read More Beyond Finance Continues Advocacy for Mental Health Awareness Month: Bridging Financial Wellness and Mental Health BetternessContinue

Financial Practice Week Embarks on National Study About Financial Literacy, Several Media Outlets Show Interest

Financial Practice Week Embarks on National Study About Financial Literacy, Several Media Outlets Show Interest

ByShawn Paul Wood April 19, 2024September 18, 2024

As Beyond Finance embarks on its inaugural “Financial Practice Week,” we commissioned a U.S. poll proving America could use more practice.

Read More Financial Practice Week Embarks on National Study About Financial Literacy, Several Media Outlets Show InterestContinue

Beyond Finance Discusses Practicing “Spring Cleaning” for Your Finances

Beyond Finance Discusses Practicing “Spring Cleaning” for Your Finances

ByShawn Paul Wood April 12, 2024April 12, 2024

It’s that time of the year to try spring cleaning, but for your finances. And if you’ve never done that, our Dr. Erika has some tips for financial practice.

Read More Beyond Finance Discusses Practicing “Spring Cleaning” for Your FinancesContinue

GoBankingRates.Com Shares Dr. Erika Rasure’s Insight on Financial Myths

GoBankingRates.Com Shares Dr. Erika Rasure’s Insight on Financial Myths

ByShawn Paul Wood April 11, 2024January 24, 2025

Financial advisors and therapists often hear misguided ideas from clients whose vision of money is wrong. Its time to call out those myths.

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Beyond Finance Experts: “BNPL is Definitely Not a Dying Trend.”

Beyond Finance Experts: “BNPL is Definitely Not a Dying Trend.”

ByShawn Paul Wood February 21, 2024

When money is tight, paying with Buy Now Pay Later options (BNPL) options are tempting. They’re also not a trend. Understanding is crucial.

Read More Beyond Finance Experts: “BNPL is Definitely Not a Dying Trend.”Continue

GoBankingRates Has Beyond Finance’s Nathan Astle Address How to Eliminate $100,000 of Personal Debt

GoBankingRates Has Beyond Finance’s Nathan Astle Address How to Eliminate $100,000 of Personal Debt

ByShawn Paul Wood February 20, 2024January 13, 2025

Certified Financial Therapist and our own Nathan Astle discussed how to manage personal debt–and answer as simple as it is stellar.

Read More GoBankingRates Has Beyond Finance’s Nathan Astle Address How to Eliminate $100,000 of Personal DebtContinue

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© 2025 Beyond Finance. All rights reserved. Please note that all calls may be recorded or monitored for quality assurance and training purposes.

We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates that range from 4.9% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 4 to 84 months. A typical personal loan example has a loan amount of $23,760, a 4.95% origination fee, a 48-month repayment term, and an interest rate of 18.00%. You would receive $22,584 ($23,760 less the $1,176 origination fee - a prepaid finance charge), and the monthly payment would be $697.95, equating to an APR of 20.89%. The total interest would be $9,741.60, and the total cost of the loan (interest plus origination fee of $1,176) would be $10,917.72. In this example, the total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates. Clients pursuing other debt consolidation options who make all monthly deposits, on average, pay back approximately 55% of their enrolled debt before fees. Fees are based on percentages of your enrolled amounts, are usually 25% and are success based. On average, our debt consolidation programs range from 24-48 months in duration.

We cannot offer guarantees on debt consolidation performance. Our services are not available in all states; fees may vary by state. The use of debt consolidation services may adversely affect your credit for a time. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding obligations may increase from the accrual of fees and interest. Certain creditors and types of debts are not eligible for our services. C.P.D. Reg. No. – 21-04861.

We do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry.

Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences.

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