{"id":5190,"date":"2026-08-11T14:28:56","date_gmt":"2026-08-11T19:28:56","guid":{"rendered":"https:\/\/www.beyondfinance.com\/newsroom\/?page_id=5190"},"modified":"2026-08-11T16:29:24","modified_gmt":"2026-08-11T21:29:24","slug":"2025-outcomes-report","status":"publish","type":"page","link":"https:\/\/www.beyondfinance.com\/newsroom\/2025-outcomes-report\/","title":{"rendered":"2025 Client Outcomes Report"},"content":{"rendered":"\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Fraunces:ital,opsz,wght,SOFT,WONK@0,9..144,100..900,0..100,0..1;1,9..144,100..900,0..100,0..1');\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Mulish:ital,wght@0,200..1000;1,200..1000');\n\n:root {\n  --bf-text-default: #222;\n  --bf-text-muted: #626262;\n  --bf-text-soft: #515151;\n  --bf-text-links: #0967D2;\n  --bf-text-tag-primary: #03449E;\n  --bf-bg-page: #F7F7F7;\n  --bf-bg-primary-light: #BAE3FF;\n  --bf-bg-primary-lightest: rgba(186, 227, 255, 0.25);\n  --bf-bg-lens: rgba(255, 219, 233, 0.5);\n  --bf-border-gray: #E1E1E1;\n  --bf-border-card: #CFCFCF;\n  --bf-border-field: #9E9E9E;\n  --bf-secondary-50: #FFE3EC;\n  --bf-secondary-500: #DA127D;\n  --bf-secondary-600: #BC0A6F;\n  --bf-secondary-700: #A30664;\n  --bf-primary-600: #0552B5;\n  --bf-tertiary-700: #24656B;\n  --bf-tertiary-800: #0A6C74;\n  --bf-text-note: #525C68;\n  --bf-bg-pink-tint: rgba(255, 184, 210, 0.3);\n  --bf-bg-badges: #EEF8FF;\n  --bf-bg-tag-secondary: #FFDBE9;\n  --bf-bg-page: #F7F7F7;\n  --bf-primary-800: #01337D;\n  --bf-primary-900: #002159;\n  --bf-accent-pink: #F364A2;\n  --bf-quote-halo: rgba(255, 184, 210, 0.15);\n  --bf-hero-gradient: linear-gradient(222.42deg, var(--bf-primary-800) 28.71%, var(--bf-primary-900) 85.99%);\n  --bf-font-display: 'Fraunces', Georgia, 'Times New Roman', serif;\n  --bf-font-body: 'Mulish', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;\n}\n\n.content-area { margin-top: 0; }\n.entry-content-wrap { padding-top: 0; padding-left: 0; padding-right: 0; max-width: none; }\n.entry-hero { display: none; }\n.site-main-header-wrap { display: none; }\n\nbody.page,\nbody.content-style-unboxed .site,\n.site-main-header-wrap .site-header-row-container-inner { background: #fff; }\n\nbody.page .content-bg { background: none; }\n\n.entry, .entry.single-entry { box-shadow: none; }\n\n.single-content h2 { margin-top: 16px; }\n\n.outcomes-report .outcomes-hero,\n.outcomes-report .outcomes-section { font-family: var(--bf-font-body); }\n\n.outcomes-report, .outcomes-report *, .outcomes-report *::before, .outcomes-report *::after {\n  box-sizing: border-box;\n}\n\n.outcomes-report h1, .outcomes-report h2, .outcomes-report h3,\n.outcomes-report h4, .outcomes-report h5, .outcomes-report h6,\n.outcomes-report p, .outcomes-report ul, .outcomes-report ol, .outcomes-report li,\n.outcomes-report figure, .outcomes-report figcaption, .outcomes-report blockquote,\n.outcomes-report table, .outcomes-report thead, .outcomes-report tbody,\n.outcomes-report tr, .outcomes-report th, .outcomes-report td,\n.outcomes-report img, .outcomes-report hr {\n  margin: 0;\n  padding: 0;\n  border: 0;\n  background: none;\n  max-width: none;\n  text-indent: 0;\n  text-transform: none;\n  letter-spacing: normal;\n  text-wrap: wrap;\n  font-style: normal;\n}\n\n.outcomes-report table { border-collapse: collapse; border-spacing: 0; }\n.outcomes-report img { max-width: 100%; height: auto; }\n.outcomes-report li { list-style: none; }\n.outcomes-report .outcomes-table, .outcomes-report .outcomes-table th, .outcomes-report .outcomes-table td { font-family: inherit; }\n\n.outcomes-report .outcomes-w-xl {\n  max-width: 1328px;\n  margin-left: auto;\n  margin-right: auto;\n  padding-left: 32px;\n  padding-right: 32px;\n}\n\n.outcomes-report .outcomes-w-xl { max-width: 1296px; margin-left: auto; margin-right: auto; }\n.outcomes-report .outcomes-w-md { max-width: 856px; margin-left: auto; margin-right: auto; }\n\n@media (max-width: 1100px) {\n  .outcomes-report .outcomes-w-xl, .outcomes-report .outcomes-w-md { padding-left: 16px; padding-right: 16px; }\n}\n\n.outcomes-report .outcomes-bleed {\n  margin-left: calc(-50vw + 50%);\n  margin-right: calc(-50vw + 50%);\n}\n\n.outcomes-report .outcomes-section { padding: 48px 0; background: #fff; }\n.outcomes-report .outcomes-section--flush-top { padding-top: 0; }\n.outcomes-report .outcomes-section--flush-bottom { padding-bottom: 0; }\n.outcomes-report [id] { scroll-margin-top: 32px; }\n.outcomes-report .outcomes-section--tint { background: var(--bf-bg-primary-lightest); }\n.outcomes-report .outcomes-section--gray { background: var(--bf-bg-page); }\n\n.outcomes-report .outcomes-stack { display: flex; flex-direction: column; gap: 48px; }\n.outcomes-report .outcomes-stack--8 { gap: 8px; }\n.outcomes-report .outcomes-stack--16 { gap: 16px; }\n.outcomes-report .outcomes-stack--24 { gap: 24px; }\n.outcomes-report .outcomes-stack--32 { gap: 32px; }\n\n.outcomes-report .outcomes-hero {\n  position: relative;\n  background: var(--bf-hero-gradient);\n  padding: 24px 0;\n  overflow: hidden;\n}\n.outcomes-report .outcomes-hero__row {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  justify-content: center;\n  gap: 24px;\n}\n.outcomes-report .outcomes-hero__col-text {\n  flex: 1 1 480px;\n  max-width: 620px;\n  display: flex;\n  flex-direction: column;\n  gap: 48px;\n}\n.outcomes-report .outcomes-hero__heading { display: flex; flex-direction: column; gap: 24px; }\n.outcomes-report .outcomes-hero__h1 {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"opsz\" 144, \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 72px;\n  line-height: 1.2;\n  color: #fff;\n  margin: 0;\n}\n.outcomes-report .outcomes-hero__h1-accent {\n  display: block;\n  font-style: normal;\n  color: var(--bf-accent-pink);\n}\n.outcomes-report .outcomes-hero__subhead {\n  font-size: 30px;\n  line-height: 45px;\n  font-weight: 700;\n  color: #fff;\n  margin: 0;\n}\n.outcomes-report .outcomes-hero__date {\n  font-size: 18px;\n  line-height: 27px;\n  font-weight: 700;\n  letter-spacing: 3.6px;\n  text-transform: uppercase;\n  color: #fff;\n  margin: 0;\n}\n.outcomes-report .outcomes-hero__col-media {\n  flex: 1 1 420px;\n  max-width: 727px;\n  padding: 46px 52px;\n}\n.outcomes-report .outcomes-hero__img {\n  display: block;\n  width: 100%;\n  max-width: 622px;\n  height: auto;\n  border-radius: 24px;\n  margin: 0 auto;\n}\n\n.outcomes-report .outcomes-h2 {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"opsz\" 144, \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 48px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-h2__accent { font-style: normal; color: var(--bf-secondary-500); }\n\n.outcomes-report .outcomes-h2-sub {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  margin: 12px 0 0;\n}\n\n.outcomes-report .outcomes-h3 {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 30px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-h3--semibold { font-weight: 600; }\n\n.outcomes-report .outcomes-h4 {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 400;\n  font-size: 24px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-defs-card__title {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 24px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-deck {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 24px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-deck__accent { font-style: normal; color: var(--bf-secondary-500); }\n\n.outcomes-report .outcomes-callout {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  max-width: 406px;\n  border-left: 0;\n  padding-left: 0;\n  margin: 0 auto;\n}\n.outcomes-report .outcomes-callout::before {\n  content: \"\";\n  position: absolute;\n  z-index: 0;\n  left: -17px;\n  top: -27px;\n  width: 127px;\n  height: 127px;\n  border-radius: 50%;\n  background: var(--bf-quote-halo);\n}\n.outcomes-report .outcomes-callout > * { position: relative; z-index: 1; }\n.outcomes-report .outcomes-callout p {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 600;\n  font-size: 30px;\n  line-height: 1.4;\n  max-width: 348px;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-callout--media {\n  max-width: none;\n  margin: 0;\n  flex-direction: row;\n  flex-wrap: wrap;\n  align-items: center;\n  padding-left: 48px;\n  gap: 32px;\n}\n.outcomes-report .outcomes-callout--media p {\n  flex: 1 1 340px;\n  max-width: 448px;\n}\n.outcomes-report .outcomes-callout--media::before {\n  left: 5px;\n  top: 31px;\n  width: 165px;\n  height: 165px;\n}\n.outcomes-report .outcomes-callout__media {\n  flex: 0 0 auto;\n  width: 328px;\n  height: auto;\n  max-width: 100%;\n  border-radius: 24px;\n}\n\n.outcomes-report .outcomes-approaches {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 24px;\n  align-items: stretch;\n}\n.outcomes-report .outcomes-approach {\n  background: var(--bf-bg-lens);\n  border-radius: 8px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n}\n.outcomes-report .outcomes-approach__num {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 700;\n  font-size: 36px;\n  line-height: 1.4;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n.outcomes-report .outcomes-approach__text {\n  font-size: 18px;\n  line-height: 27px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n.outcomes-report .outcomes-approach__text strong { font-weight: 700; }\n\n.outcomes-report .outcomes-prose { display: flex; flex-direction: column; gap: 16px; }\n.outcomes-report .outcomes-prose p {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-media {\n  display: block;\n  width: 100%;\n  height: auto;\n  border-radius: 24px;\n}\n\n.outcomes-report .outcomes-stats {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 24px;\n}\n.outcomes-report .outcomes-stat {\n  background: rgba(186, 227, 255, 0.33);\n  border-radius: 8px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  justify-content: center;\n  gap: 8px;\n}\n.outcomes-report .outcomes-stat__value {\n  white-space: nowrap;\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 600;\n  font-size: 36px;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-stat__label {\n  font-size: 18px;\n  font-weight: 700;\n  line-height: normal;\n  letter-spacing: 0.54px;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n.outcomes-report .outcomes-stat__note {\n  display: block;\n  font-size: 16px;\n  font-weight: 400;\n  letter-spacing: normal;\n  text-transform: none;\n  color: #111;\n}\n\n.outcomes-report .outcomes-figure {\n  background: #fff;\n  border: 1px solid var(--bf-border-field);\n  border-top: 2px solid var(--bf-secondary-500);\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n  margin: 0;\n}\n.outcomes-report .outcomes-figure__head { display: flex; flex-direction: column; gap: 8px; }\n.outcomes-report .outcomes-figure__label {\n  font-size: 11px;\n  font-weight: 700;\n  line-height: normal;\n  letter-spacing: 1.65px;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n.outcomes-report .outcomes-figure__title {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 400;\n  font-size: 24px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-figure__desc {\n  font-size: 14px;\n  line-height: 1.4;\n  color: var(--bf-text-muted);\n  margin: 0;\n}\n.outcomes-report .outcomes-figure__source {\n  font-size: 12px;\n  line-height: 21px;\n  color: var(--bf-text-muted);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-table {\n  --value-w: 250px;\n  width: 100%;\n  border-collapse: collapse;\n  background: #fff;\n}\n.outcomes-report .outcomes-table--value-140 { --value-w: 140px; }\n.outcomes-report .outcomes-table--value-180 { --value-w: 180px; }\n.outcomes-report .outcomes-table--value-200 { --value-w: 200px; }\n.outcomes-report .outcomes-table--value-220 { --value-w: 220px; }\n.outcomes-report .outcomes-table th {\n  padding: 12px 16px;\n  font-size: 12px;\n  font-weight: 700;\n  line-height: normal;\n  text-transform: uppercase;\n  color: var(--bf-text-muted);\n  text-align: left;\n  vertical-align: bottom;\n  border-bottom: 1px solid var(--bf-text-tag-primary);\n}\n.outcomes-report .outcomes-table td {\n  padding: 12px 16px;\n  font-size: 14px;\n  font-weight: 500;\n  line-height: 21px;\n  color: var(--bf-text-default);\n  border-bottom: 1px solid var(--bf-border-gray);\n  vertical-align: middle;\n}\n.outcomes-report .outcomes-table th:not(:first-child),\n.outcomes-report .outcomes-table td:not(:first-child) { text-align: right; width: var(--value-w); }\n.outcomes-report .outcomes-table td:not(:first-child) {\n  font-weight: 700;\n  color: var(--bf-primary-900);\n}\n.outcomes-report .outcomes-table tbody tr:last-child td { border-bottom: 0; }\n.outcomes-report .outcomes-table tr.is-highlight td { background: var(--bf-bg-primary-lightest); }\n.outcomes-report .outcomes-table .is-strong { font-weight: 700; }\n.outcomes-report .outcomes-table--alternatives th:nth-child(2),\n.outcomes-report .outcomes-table--alternatives td:nth-child(2) { width: 200px; }\n.outcomes-report .outcomes-table--alternatives th:nth-child(3),\n.outcomes-report .outcomes-table--alternatives td:nth-child(3) { width: 270px; padding-left: 36px; }\n.outcomes-report .outcomes-table__sub { display: block; }\n\n.outcomes-report .outcomes-table__pairs { display: flex; flex-direction: column; gap: 4px; align-items: flex-end; }\n.outcomes-report .outcomes-table__pair { display: flex; gap: 4px; }\n.outcomes-report .outcomes-table__pair > span:first-child { width: 167px; }\n.outcomes-report .outcomes-table__pair > span:last-child { width: 80px; }\n\n.outcomes-report .outcomes-rings {\n  display: grid;\n  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));\n  gap: 24px;\n  justify-items: center;\n}\n.outcomes-report .outcomes-ring {\n  width: 100%;\n  max-width: 198px;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  gap: 16px;\n}\n.outcomes-report .outcomes-ring__canvas { position: relative; width: 180px; height: 180px; }\n.outcomes-report .outcomes-ring__svg { display: block; width: 180px; height: 180px; }\n.outcomes-report .outcomes-ring__track {\n  fill: none;\n  stroke: var(--bf-bg-primary-light);\n  stroke-width: 10;\n}\n.outcomes-report .outcomes-ring__arc {\n  fill: none;\n  stroke: var(--bf-text-links);\n  stroke-width: 10;\n  transform: scaleX(-1) rotate(-90deg);\n  transform-origin: 50% 50%;\n}\n.outcomes-report .outcomes-ring__label {\n  position: absolute;\n  top: 50%; left: 50%;\n  transform: translate(-50%, -50%);\n  width: 132px; height: 132px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  padding: 8px;\n  box-sizing: border-box;\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 600;\n  font-size: 21px;\n  line-height: 1.15;\n  color: var(--bf-primary-600);\n  text-align: center;\n}\n.outcomes-report .outcomes-ring__label--sm { font-size: 16px; }\n.outcomes-report .outcomes-ring__caption {\n  font-size: 14px;\n  font-weight: 700;\n  line-height: 21px;\n  text-transform: uppercase;\n  text-align: center;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-metrics {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 24px;\n  align-items: stretch;\n}\n.outcomes-report .outcomes-metric {\n  background: var(--bf-bg-primary-lightest);\n  border-radius: 8px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n}\n.outcomes-report .outcomes-metric--center { justify-content: center; }\n.outcomes-report .outcomes-metric__head { display: flex; flex-direction: column; gap: 8px; }\n.outcomes-report .outcomes-metric__value {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 600;\n  font-size: 36px;\n  line-height: 1.4;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-metric__label {\n  font-size: 18px;\n  font-weight: 700;\n  line-height: 20px;\n  letter-spacing: 0.5px;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n.outcomes-report .outcomes-metric__sublabel {\n  font-size: 14px;\n  line-height: 21px;\n  color: var(--bf-text-soft);\n  margin: 4px 0 0;\n}\n.outcomes-report .outcomes-metric__body {\n  font-size: 14px;\n  line-height: 22px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-lens {\n  max-width: 462px;\n  margin: 0 auto;\n  background: var(--bf-bg-lens);\n  border: 7px solid #fff;\n  border-radius: 15px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  gap: 8px;\n}\n.outcomes-report .outcomes-lens__title {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 700;\n  font-size: 20px;\n  line-height: 1.4;\n  color: var(--bf-secondary-700);\n  margin: 0;\n}\n.outcomes-report .outcomes-lens__body {\n  font-size: 20px;\n  font-weight: 500;\n  line-height: 1.4;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n@media (max-width: 1300px) {\n  .outcomes-report .outcomes-hero__h1 { font-size: 60px; }\n}\n\n@media (max-width: 991px) {\n  .outcomes-report .outcomes-hero__col-text { gap: 32px; }\n  .outcomes-report .outcomes-hero__h1 { font-size: 44px; }\n  .outcomes-report .outcomes-hero__subhead { font-size: 22px; line-height: 33px; }\n  .outcomes-report .outcomes-hero__date { font-size: 16px; letter-spacing: 3.2px; }\n  .outcomes-report .outcomes-hero__col-media { padding: 0; }\n  .outcomes-report .outcomes-h2 { font-size: 32px; }\n  .outcomes-report .outcomes-h3 { font-size: 24px; }\n  .outcomes-report .outcomes-deck { font-size: 20px; }\n  .outcomes-report .outcomes-callout--media { padding-left: 24px; }\n  .outcomes-report .outcomes-callout p { font-size: 22px; }\n  .outcomes-report .outcomes-stat__value { font-size: 30px; }\n}\n\n@media (max-width: 767px) {\n  .outcomes-report .outcomes-approaches { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-callout__media { width: 100%; height: auto; }\n  .outcomes-report .outcomes-callout--media { gap: 24px; }\n  .outcomes-report .outcomes-stats { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-metrics { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-metric__value { font-size: 30px; }\n  .outcomes-report .outcomes-lens__body { font-size: 18px; }\n  .outcomes-report .outcomes-figure { padding: 16px; }\n  .outcomes-report .outcomes-table th, .outcomes-report .outcomes-table td { padding: 10px 8px; }\n  .outcomes-report .outcomes-table th:not(:first-child),\n  .outcomes-report .outcomes-table td:not(:first-child) { width: 38%; }\n  .outcomes-report .outcomes-table__pair > span:first-child,\n  .outcomes-report .outcomes-table__pair > span:last-child { width: auto; }\n}\n\n.outcomes-report .outcomes-note {\n  font-size: 14px;\n  line-height: 21px;\n  color: var(--bf-text-note);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-prose--quote { gap: 24px; }\n.outcomes-report .outcomes-prose--quote p {\n  font-size: 18px;\n  line-height: 27px;\n  font-weight: 500;\n  color: var(--bf-text-muted);\n}\n\n.outcomes-report .outcomes-prose--lg p {\n  font-size: 18px;\n  line-height: 27px;\n  font-weight: 500;\n  opacity: 0.9;\n}\n\n.outcomes-report .outcomes-visually-hidden {\n  position: absolute;\n  width: 1px; height: 1px;\n  padding: 0; margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n\n.outcomes-report sup { font-size: 0.65em; vertical-align: super; line-height: 0; }\n\n.outcomes-report .outcomes-stat--pink { background: var(--bf-bg-pink-tint); }\n.outcomes-report .outcomes-stat--pink .outcomes-stat__note { color: var(--bf-secondary-700); }\n\n.outcomes-report .outcomes-badge-media {\n  position: relative;\n  width: 100%;\n  aspect-ratio: 856 \/ 442;\n  margin: 0 auto;\n}\n.outcomes-report .outcomes-badge-media__circle {\n  position: absolute;\n  left: 23.6%;\n  top: 3.55%;\n  width: 17.69%;\n  aspect-ratio: 1;\n  border-radius: 50%;\n  background: var(--bf-primary-600);\n}\n.outcomes-report .outcomes-badge-media__photo {\n  position: absolute;\n  left: 50%;\n  top: 0;\n  transform: translateX(-50%);\n  width: 48.67%;\n  height: 100%;\n  object-fit: cover;\n  border-radius: 191px 191px 14px 14px;\n}\n.outcomes-report .outcomes-badge-media__arcs {\n  position: absolute;\n  left: 65.75%;\n  top: 66.7%;\n  width: 13.56%;\n  aspect-ratio: 1;\n  color: var(--bf-text-links);\n}\n.outcomes-report .outcomes-badge-media__badge {\n  position: absolute;\n  left: 64.82%;\n  top: 42.2%;\n  width: 20.34%;\n  aspect-ratio: 1;\n  border-radius: 50%;\n  background: var(--bf-secondary-500);\n  color: #fff;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n  gap: 3px;\n  text-align: center;\n}\n.outcomes-report .outcomes-badge-media__value {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 700;\n  font-size: 33px;\n  line-height: 1.05;\n  color: #fff;\n  margin: 0;\n}\n.outcomes-report .outcomes-badge-media__label {\n  font-size: 11px;\n  font-weight: 700;\n  line-height: 16px;\n  color: #fff;\n  white-space: nowrap;\n  margin: 0;\n}\n\n@media (max-width: 767px) {\n  .outcomes-report .outcomes-badge-media__photo { border-radius: 90px 90px 8px 8px; }\n  .outcomes-report .outcomes-badge-media__value { font-size: 16px; }\n  .outcomes-report .outcomes-badge-media__label { font-size: 7px; line-height: 10px; }\n  .outcomes-report .outcomes-table--alternatives th:nth-child(3),\n  .outcomes-report .outcomes-table--alternatives td:nth-child(3) { padding-left: 8px; }\n}\n\n.outcomes-report .outcomes-csat {\n  max-width: 521px;\n  margin: 0 auto;\n  background: var(--bf-bg-lens);\n  border-radius: 8px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  justify-content: center;\n  gap: 16px;\n}\n.outcomes-report .outcomes-csat__value {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 700;\n  font-size: 56px;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-csat__label {\n  font-size: 20px;\n  font-weight: 700;\n  line-height: 1.4;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 8px 0 0;\n}\n.outcomes-report .outcomes-csat__source {\n  max-width: 521px;\n  margin-left: auto;\n  margin-right: auto;\n}\n.outcomes-report .outcomes-csat__note {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-badges {\n  background: var(--bf-bg-badges);\n  border-radius: 8px;\n  padding: 24px;\n  display: grid;\n  grid-template-columns: repeat(4, 1fr);\n  gap: 16px;\n}\n.outcomes-report .outcomes-badge {\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: flex-start;\n  gap: 16px;\n}\n.outcomes-report .outcomes-badge__art {\n  height: 145px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n}\n.outcomes-report .outcomes-badge__art img {\n  max-height: 100%;\n  max-width: 100%;\n  width: auto;\n  object-fit: contain;\n}\n.outcomes-report .outcomes-badge__caption {\n  font-size: 12px;\n  font-weight: 700;\n  line-height: 1.35;\n  text-transform: uppercase;\n  color: var(--bf-text-soft);\n  text-align: center;\n  margin: 0;\n}\n.outcomes-report .outcomes-badge__year {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 600;\n  text-transform: none;\n}\n\n.outcomes-report .outcomes-reviews {\n  max-width: 734px;\n  margin: 0 auto;\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 24px;\n}\n.outcomes-report .outcomes-review {\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: flex-start;\n  gap: 16px;\n}\n.outcomes-report .outcomes-review__logo {\n  height: 40px;\n  width: auto;\n  object-fit: contain;\n}\n.outcomes-report .outcomes-review__stars {\n  width: 132px;\n  height: auto;\n}\n.outcomes-report .outcomes-review__stat {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  text-align: center;\n  margin: 0;\n}\n\n.outcomes-report .outcomes-byline {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 24px;\n}\n.outcomes-report .outcomes-byline__photo {\n  width: 133px;\n  height: 133px;\n  flex: 0 0 auto;\n  border-radius: 50%;\n  object-fit: cover;\n}\n.outcomes-report .outcomes-byline__text {\n  display: flex;\n  flex-direction: column;\n  gap: 8px;\n}\n.outcomes-report .outcomes-byline__name {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 600;\n  font-size: 24px;\n  line-height: 30px;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-byline__role {\n  font-size: 14px;\n  font-weight: 500;\n  line-height: 21px;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n\n@media (max-width: 767px) {\n  .outcomes-report .outcomes-badges { grid-template-columns: repeat(2, 1fr); }\n  .outcomes-report .outcomes-reviews { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-csat__value { font-size: 40px; }\n  .outcomes-report .outcomes-csat__label { font-size: 17px; }\n}\n\n.outcomes-report .outcomes-reporting {\n  max-width: 400px;\n  margin: 0 auto;\n  background: var(--bf-bg-tag-secondary);\n  border-radius: 12px;\n  padding: 24px;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n}\n.outcomes-report .outcomes-reporting__label {\n  font-size: 20px;\n  font-weight: 700;\n  line-height: 1.4;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 0;\n  width: 100%;\n}\n.outcomes-report .outcomes-reporting__text {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  margin: 0;\n  width: 100%;\n}\n\n.outcomes-report .outcomes-defs-card {\n  background: var(--bf-bg-primary-lightest);\n  border-radius: 8px;\n  padding: 48px;\n}\n\n.outcomes-report .outcomes-defs {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 16px 40px;\n  align-items: start;\n}\n.outcomes-report .outcomes-defs__col {\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n}\n.outcomes-report .outcomes-def { display: flex; flex-direction: column; gap: 4px; }\n.outcomes-report .outcomes-def__term {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 600;\n  font-size: 14px;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-def__desc {\n  font-size: 14px;\n  line-height: 21px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-sources {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 0 24px;\n}\n.outcomes-report .outcomes-source {\n  padding: 16px 0;\n  display: flex;\n  flex-direction: column;\n  gap: 8px;\n}\n.outcomes-report .outcomes-source__name {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-weight: 600;\n  font-size: 16px;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-source__desc {\n  font-size: 14px;\n  line-height: 1.35;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n.outcomes-report .outcomes-source__link {\n  font-size: 12px;\n  line-height: 1.35;\n  color: var(--bf-text-links);\n  text-decoration: none;\n  word-break: break-word;\n}\n.outcomes-report .outcomes-source__link:hover,\n.outcomes-report .outcomes-source__link:focus { text-decoration: underline; }\n\n.outcomes-report .outcomes-glossary {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 0 24px;\n  align-items: start;\n}\n.outcomes-report .outcomes-glossary__group {\n  font-family: var(--bf-font-display);\n  font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n  font-style: normal;\n  font-weight: 400;\n  font-size: 22px;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 24px 0 8px;\n}\n.outcomes-report .outcomes-glossary__col > .outcomes-glossary__group:first-child { margin-top: 0; }\n.outcomes-report .outcomes-glossary__item {\n  display: flex;\n  flex-direction: column;\n  gap: 4px;\n  padding: 4px 0 16px;\n}\n.outcomes-report .outcomes-glossary__label {\n  font-size: 11px;\n  font-weight: 700;\n  line-height: normal;\n  letter-spacing: 0.55px;\n  text-transform: uppercase;\n  color: var(--bf-secondary-500);\n  margin: 0;\n}\n.outcomes-report .outcomes-glossary__title {\n  font-size: 14px;\n  font-weight: 700;\n  line-height: normal;\n  color: var(--bf-primary-900);\n  margin: 0;\n}\n.outcomes-report .outcomes-glossary__desc {\n  font-size: 13px;\n  line-height: 1.5;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n\n.outcomes-report .outcomes-cta {\n  background: var(--bf-bg-page);\n  padding: 32px 16px 40px;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n  gap: 24px;\n  text-align: center;\n}\n.outcomes-report .outcomes-cta__heading {\n  font-size: 30px;\n  font-weight: 700;\n  line-height: 45px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n.outcomes-report .outcomes-cta__btn,\n.outcomes-report .outcomes-hero__pdf {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: 327px;\n  max-width: 100%;\n  padding: 16px 32px;\n  border-radius: 4px;\n  background: var(--bf-secondary-500);\n  border: 1px solid var(--bf-secondary-600);\n  color: #fff;\n  font-size: 14px;\n  font-weight: 800;\n  line-height: 22px;\n  text-transform: uppercase;\n  text-decoration: none;\n}\n.outcomes-report .outcomes-cta__btn:hover,\n.outcomes-report .outcomes-cta__btn:focus,\n.outcomes-report .outcomes-hero__pdf:hover,\n.outcomes-report .outcomes-hero__pdf:focus { background: var(--bf-secondary-600); color: #fff; }\n\n.outcomes-report .outcomes-hero__pdf { align-self: flex-start; }\n.outcomes-report .outcomes-cta__phone {\n  font-size: 16px;\n  line-height: 24px;\n  color: var(--bf-text-default);\n  margin: 0;\n}\n.outcomes-report .outcomes-cta__phone a {\n  font-weight: 700;\n  color: var(--bf-primary-600);\n  text-decoration: underline;\n}\n\n.outcomes-report .outcomes-disclaimer {\n  font-size: 12px;\n  line-height: 21px;\n  color: var(--bf-text-muted);\n  margin: 0;\n}\n\n@media (max-width: 767px) {\n  .outcomes-report .outcomes-defs { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-defs-card { padding: 24px; }\n  .outcomes-report .outcomes-sources { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-glossary { grid-template-columns: 1fr; }\n  .outcomes-report .outcomes-cta__heading { font-size: 24px; line-height: 34px; }\n\n  .outcomes-report .outcomes-hero { padding-bottom: 16px; }\n  .outcomes-report .outcomes-section--tight-bottom { padding-bottom: 24px; }\n  .outcomes-report .outcomes-callout--media { padding-left: 0; }\n  .outcomes-report .outcomes-table--tight-values th:not(:first-child),\n  .outcomes-report .outcomes-table--tight-values td:not(:first-child) { width: 27%; }\n}\n<\/style>\n\n<div class=\"bf-toc\" data-bf-toc=\"\" data-expanded=\"true\">\n\n  <style>\n    .bf-toc {\n      --bf-toc-navy: #002159;\n      --bf-toc-blue: #0967D2;\n      --bf-toc-muted: #666666;\n      --bf-toc-rule: #e6e6e6;\n      --bf-toc-card: rgba(255, 255, 255, 0.95);\n      --bf-toc-hover: #E8F1FC;\n      --bf-toc-width: 280px;\n      --bf-toc-top: 48px;\n      --bf-toc-offset: 32px;\n\n      position: fixed;\n      left: max(16px, calc(50vw - 732px));\n      top: var(--bf-toc-top);\n      z-index: 20;\n      width: var(--bf-toc-width);\n      box-sizing: border-box;\n      opacity: 0;\n      visibility: hidden;\n      transition: width 300ms ease-in-out, opacity 250ms ease, visibility 250ms ease;\n    }\n    .bf-toc[data-visible=\"true\"] { opacity: 1; visibility: visible; }\n    .bf-toc[data-expanded=\"false\"] { width: 0; }\n    .bf-toc *, .bf-toc *::before, .bf-toc *::after { box-sizing: border-box; }\n\n    \/* theme margin reset *\/\n    .bf-toc p, .bf-toc ul, .bf-toc ol, .bf-toc li, .bf-toc nav { margin: 0; }\n    .bf-toc .bf-toc__title { margin: 0; }\n    .bf-toc .bf-toc__head > * { align-self: center; }\n\n    \/* panel *\/\n    .bf-toc__panel {\n      width: var(--bf-toc-width);\n      max-height: calc(100vh - (var(--bf-toc-top) * 2));\n      overflow-y: auto;\n      overscroll-behavior: contain;\n      padding: 24px 16px;\n      background: var(--bf-toc-card);\n      border-radius: 8px;\n      box-shadow: 2px 0 12px rgba(0, 0, 0, 0.06);\n      transition: opacity 300ms ease-in-out, transform 300ms ease-in-out;\n    }\n    .bf-toc[data-expanded=\"false\"] .bf-toc__panel {\n      opacity: 0;\n      transform: translateX(-16px);\n      pointer-events: none;\n    }\n\n    .bf-toc__head {\n      display: flex;\n      align-items: center;\n      justify-content: space-between;\n      gap: 12px;\n      padding-bottom: 16px;\n    }\n    .bf-toc__title {\n      margin: 0;\n      font-family: Fraunces, Georgia, serif;\n      font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n      font-weight: 400;\n      font-size: 16px;\n      line-height: 20px;\n      color: var(--bf-toc-navy);\n      white-space: nowrap;\n    }\n    .bf-toc__rule { height: 1px; background: var(--bf-toc-rule); margin-bottom: 8px; }\n\n    \/* toggles *\/\n    .bf-toc__btn {\n      display: flex;\n      align-items: center;\n      justify-content: center;\n      flex-shrink: 0;\n      padding: 0;\n      border: 0;\n      border-radius: 4px;\n      background: none;\n      box-shadow: none;\n      color: inherit;\n      font-weight: inherit;\n      letter-spacing: normal;\n      text-transform: none;\n      cursor: pointer;\n      transition: background-color 200ms ease, transform 300ms ease-in-out;\n    }\n    .bf-toc__btn:hover,\n    .bf-toc__btn:focus,\n    .bf-toc__btn:active {\n      background: var(--bf-toc-hover);\n      box-shadow: none;\n      color: inherit;\n    }\n    .bf-toc__btn:focus-visible {\n      outline: 2px solid var(--bf-toc-blue);\n      outline-offset: 2px;\n      border-radius: 4px;\n    }\n    .bf-toc__collapse { width: 20px; height: 20px; }\n\n    .bf-toc__reopen {\n      position: absolute;\n      top: 0;\n      left: 0;\n      gap: 10px;\n      padding: 24px 16px;\n      background: var(--bf-toc-card);\n      border-radius: 8px;\n      box-shadow: 2px 0 12px rgba(0, 0, 0, 0.06);\n      white-space: nowrap;\n      opacity: 0;\n      pointer-events: none;\n      transition: opacity 300ms ease-in-out, background-color 200ms ease;\n    }\n    .bf-toc__reopen:hover,\n    .bf-toc__reopen:focus,\n    .bf-toc__reopen:active {\n      background: var(--bf-toc-hover);\n      box-shadow: 2px 0 12px rgba(0, 0, 0, 0.06);\n    }\n    .bf-toc__reopen-label {\n      font-family: Fraunces, Georgia, serif;\n      font-variation-settings: \"SOFT\" 0, \"WONK\" 0;\n      font-weight: 400;\n      font-size: 16px;\n      line-height: 20px;\n      color: var(--bf-toc-navy);\n    }\n    .bf-toc[data-expanded=\"false\"] .bf-toc__reopen { opacity: 1; pointer-events: auto; }\n\n    \/* list *\/\n    .bf-toc__list { margin: 0; padding: 0; list-style: none; }\n    .bf-toc__list li { margin: 0; padding: 0; list-style: none; }\n    .bf-toc__list li::marker, .bf-toc__list li::before { content: none; }\n    .bf-toc__link {\n      display: flex;\n      gap: 4px;\n      align-items: flex-start;\n      text-decoration: none;\n      word-break: break-word;\n      line-height: normal;\n      border-left: 2px solid transparent;\n      transition: background-color 150ms ease, border-color 150ms ease;\n    }\n    .bf-toc__link[href] { cursor: pointer; }\n    .bf-toc__link[href]:hover { background: rgba(9, 103, 210, 0.06); }\n    .bf-toc__link:focus-visible { outline: 2px solid var(--bf-toc-blue); outline-offset: -2px; }\n    .bf-toc__link[aria-current=\"true\"] {\n      border-left-color: var(--bf-toc-blue);\n      background: rgba(9, 103, 210, 0.08);\n      color: var(--bf-toc-blue);\n      font-weight: 700;\n    }\n    .bf-toc__num { flex-shrink: 0; white-space: nowrap; }\n    .bf-toc__label { flex: 1 0 0; min-width: 1px; }\n\n    .bf-toc__link--1 {\n      padding: 8px 12px 8px 10px;\n      font-family: Mulish, system-ui, sans-serif;\n      font-weight: 700;\n      font-size: 13px;\n      color: var(--bf-toc-navy);\n    }\n    .bf-toc__link--2 {\n      padding: 6px 12px 6px 26px;\n      font-family: Mulish, system-ui, sans-serif;\n      font-weight: 400;\n      font-size: 12px;\n      color: var(--bf-toc-navy);\n    }\n    .bf-toc__link--3 {\n      padding: 4px 12px 4px 42px;\n      font-family: Mulish, system-ui, sans-serif;\n      font-weight: 400;\n      font-size: 12px;\n      color: var(--bf-toc-muted);\n    }\n\n    .bf-toc__backdrop { display: none; }\n\n    \/* bottom sheet *\/\n    @media (max-width: 1499px) {\n      .bf-toc,\n      .bf-toc[data-expanded=\"false\"] { position: static; width: auto; }\n      .bf-toc__reopen { display: none; }\n\n      \/* theme scroll-to-top *\/\n      #kt-scroll-up,\n      #kt-scroll-up-reader { display: none; }\n\n      .bf-toc__backdrop {\n        display: block;\n        position: fixed;\n        inset: 0;\n        z-index: 40;\n        background: rgba(0, 0, 0, 0.25);\n        opacity: 0;\n        pointer-events: none;\n        transition: opacity 300ms ease-in-out;\n      }\n      .bf-toc[data-expanded=\"true\"] .bf-toc__backdrop { opacity: 1; pointer-events: auto; }\n\n      .bf-toc__panel,\n      .bf-toc[data-expanded=\"false\"] .bf-toc__panel {\n        position: fixed;\n        left: 0;\n        right: 0;\n        bottom: 0;\n        z-index: 50;\n        width: auto;\n        max-height: 75vh;\n        display: flex;\n        flex-direction: column;\n        padding: 0 0 env(safe-area-inset-bottom);\n        border-radius: 12px 12px 0 0;\n        background: rgba(255, 255, 255, 0.97);\n        box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.10);\n        opacity: 1;\n        pointer-events: auto;\n        transform: translateY(calc(100% - 52px));\n        transition: transform 300ms ease-in-out;\n      }\n      .bf-toc[data-expanded=\"true\"] .bf-toc__panel { transform: translateY(0); }\n\n      .bf-toc__head { height: 52px; flex-shrink: 0; padding: 0 20px; cursor: pointer; }\n      .bf-toc__rule { margin: 0 20px 0; }\n      .bf-toc__scroll { overflow-y: auto; padding: 8px 0; }\n      .bf-toc__collapse { transform: rotate(-90deg); }\n      .bf-toc[data-expanded=\"false\"] .bf-toc__collapse { transform: rotate(90deg); }\n    }\n\n    @media (prefers-reduced-motion: reduce) {\n      .bf-toc, .bf-toc * { transition-duration: 0.01ms !important; }\n    }\n  <\/style>\n\n  <div class=\"bf-toc__backdrop\" data-bf-close=\"\"><\/div>\n\n  <nav class=\"bf-toc__panel\" aria-label=\"Contents\">\n    <div class=\"bf-toc__head\">\n      <p class=\"bf-toc__title\">Contents<\/p>\n      <button type=\"button\" class=\"bf-toc__btn bf-toc__collapse\" data-bf-toggle=\"\" aria-expanded=\"true\" aria-label=\"Collapse contents\">\n        <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\">\n          <path d=\"M13 4L6 10L13 16\" stroke=\"#0967D2\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n        <\/svg>\n      <\/button>\n    <\/div>\n\n    <div class=\"bf-toc__rule\"><\/div>\n\n    <div class=\"bf-toc__scroll\">\n      <ul class=\"bf-toc__list\">\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#about-beyond-finance\"><span class=\"bf-toc__num\">1.<\/span><span class=\"bf-toc__label\">About Beyond Finance<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#who-we-serve\"><span class=\"bf-toc__num\">2.<\/span><span class=\"bf-toc__label\">Who We Serve<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#client-savings\"><span class=\"bf-toc__num\">3.<\/span><span class=\"bf-toc__label\">Client Savings<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--2\" href=\"#industry-savings\"><span class=\"bf-toc__num\">I.<\/span><span class=\"bf-toc__label\">Beyond Finance vs. Industry Savings<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--2\" href=\"#monthly-savings\"><span class=\"bf-toc__num\">II.<\/span><span class=\"bf-toc__label\">Monthly Savings<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--3\" href=\"#monthly-vs-minimums\"><span class=\"bf-toc__num\">a.<\/span><span class=\"bf-toc__label\">Monthly savings: program deposits vs. minimum payments<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--3\" href=\"#monthly-vs-creditors\"><span class=\"bf-toc__num\">b.<\/span><span class=\"bf-toc__label\">Monthly savings: program deposits vs. what clients were paying their creditors<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--2\" href=\"#resolved-accounts\"><span class=\"bf-toc__num\">III.<\/span><span class=\"bf-toc__label\">Savings Across Resolved Accounts<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--2\" href=\"#total-program-savings\"><span class=\"bf-toc__num\">IV.<\/span><span class=\"bf-toc__label\">Total Program Savings<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--3\" href=\"#program-vs-minimum-path\"><span class=\"bf-toc__num\">a.<\/span><span class=\"bf-toc__label\">Program savings: program vs. the minimum-payment path<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--3\" href=\"#program-vs-balance\"><span class=\"bf-toc__num\">b.<\/span><span class=\"bf-toc__label\">Program savings: program vs. outstanding balance<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--3\" href=\"#program-vs-alternatives\"><span class=\"bf-toc__num\">c.<\/span><span class=\"bf-toc__label\">Program savings: program vs. cost of other options<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#speed-to-resolution\"><span class=\"bf-toc__num\">4.<\/span><span class=\"bf-toc__label\">Speed to Resolution<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#track-record\"><span class=\"bf-toc__num\">5.<\/span><span class=\"bf-toc__label\">An Established Track Record<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#client-success-trust\"><span class=\"bf-toc__num\">6.<\/span><span class=\"bf-toc__label\">Client Success &amp; Trust<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#methodology\"><span class=\"bf-toc__num\">7.<\/span><span class=\"bf-toc__label\">Methodology &amp; Data Notes<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#final-word\"><span class=\"bf-toc__num\">8.<\/span><span class=\"bf-toc__label\">A Final Word from the EVP, Client Success Officer<\/span><\/a><\/li>\n        <li><a class=\"bf-toc__link bf-toc__link--1\" href=\"#sources\"><span class=\"bf-toc__num\">9.<\/span><span class=\"bf-toc__label\">Sources<\/span><\/a><\/li>\n      <\/ul>\n    <\/div>\n  <\/nav>\n\n  <button type=\"button\" class=\"bf-toc__btn bf-toc__reopen\" data-bf-toggle=\"\" aria-expanded=\"false\" aria-label=\"Expand contents\">\n    <span class=\"bf-toc__reopen-label\">Contents<\/span>\n    <svg width=\"8\" height=\"13\" viewBox=\"0 0 8.64 13.14\" fill=\"none\" aria-hidden=\"true\" style=\"transform: scaleX(-1);\">\n      <path d=\"M8.15244 0.569442L1.15244 6.56944L8.15244 12.5694\" stroke=\"#0967D2\" stroke-width=\"1.5\"><\/path>\n    <\/svg>\n  <\/button>\n<\/div>\n\n<div class=\"outcomes-report\">\n\n<section class=\"outcomes-hero outcomes-bleed\">\n  <div class=\"outcomes-w-xl\">\n    <div class=\"outcomes-hero__row\">\n      <div class=\"outcomes-hero__col-text\">\n        <div class=\"outcomes-hero__heading\">\n          <h1 class=\"outcomes-hero__h1\">\n            2025 Client\n            <span class=\"outcomes-hero__h1-accent\">Outcomes Report<\/span>\n          <\/h1>\n          <p class=\"outcomes-hero__subhead\">Real Data. Real Results. Real People.<\/p>\n        <\/div>\n        <p class=\"outcomes-hero__date\">August 2026<\/p>\n        <a class=\"outcomes-hero__pdf\" href=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/Beyond-Finance-2025-Outcomes-Report.pdf\" target=\"_blank\" rel=\"noopener\">Download Report as a PDF<\/a>\n      <\/div>\n      <div class=\"outcomes-hero__col-media\">\n        <img fetchpriority=\"high\" decoding=\"async\" class=\"outcomes-hero__img\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/couple-checking-account-on-phone.jpg\" alt=\"\" width=\"1244\" height=\"1072\">\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <h2 class=\"outcomes-h2\" id=\"about-beyond-finance\">About <span class=\"outcomes-h2__accent\">Beyond Finance<\/span><\/h2>\n      <div class=\"outcomes-prose\">\n        <p>This report documents the outcomes Beyond Finance clients experienced in 2025 \u2014 what they saved, how quickly they saw results, and the quality of service behind those results, measured against observed client data, not projections.<\/p>\n        <p>Beyond Finance is one of the largest debt consolidation companies in the United States. Founded in 2011, we\u2019ve resolved upwards of $15 billion in client debt, with $4.7 billion resolved in 2025 and $3.6 billion in 2024. In 2025, we obtained offers reducing clients\u2019 debt by more than $1.17 billion after fees, and returned roughly $3.5 billion to household budgets through lower monthly payments.<\/p>\n        <p>Beyond Finance holds an A+ rating with the Better Business Bureau and a 4.6 out of 5.0 on Trustpilot, with more than 68,000 five-star reviews across platforms, and employs more than 2,200 U.S.-based team members.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-stats\">\n      <div class=\"outcomes-stat\">\n        <p class=\"outcomes-stat__value\">$4.7 billion<\/p>\n        <p class=\"outcomes-stat__label\">Client debt resolved in 2025<\/p>\n      <\/div>\n      <div class=\"outcomes-stat\">\n        <p class=\"outcomes-stat__value\">$1.17 billion<\/p>\n        <p class=\"outcomes-stat__label\">Total client savings<br>in 2025<\/p>\n      <\/div>\n      <div class=\"outcomes-stat\">\n        <p class=\"outcomes-stat__value\">4.6\/5<\/p>\n        <p class=\"outcomes-stat__label\">Trustpilot rating<span class=\"outcomes-stat__note\">21,000+ reviews<\/span><\/p>\n      <\/div>\n    <\/div>\n\n    <img decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/colleagues-reviewing-tablet-office.jpg\" alt=\"\" width=\"1712\" height=\"829\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <div>\n        <h2 class=\"outcomes-h2\">Summary of Key Outcomes<\/h2>\n        <p class=\"outcomes-h2-sub\">The numbers below summarize Beyond Finance\u2019s 2025 results; each is detailed in the sections that follow.<\/p>\n      <\/div>\n\n      <figure class=\"outcomes-figure\">\n        <div class=\"outcomes-figure__head\">\n          <p class=\"outcomes-figure__label\">Figure 1<\/p>\n          <h3 class=\"outcomes-figure__title\">Summary of Beyond Finance client outcomes, 2025<\/h3>\n          <p class=\"outcomes-figure__desc\">Headline savings, speed, and service results for the 2025 program year.<\/p>\n        <\/div>\n\n        <table class=\"outcomes-table\">\n          <thead>\n            <tr>\n              <th scope=\"col\">Metric<\/th>\n              <th scope=\"col\">Results<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr class=\"is-highlight\">\n              <td>Total client debt resolved<\/td>\n              <td>$4.7 billion<\/td>\n            <\/tr>\n            <tr class=\"is-highlight\">\n              <td>Total client savings<\/td>\n              <td>$1.17 billion<\/td>\n            <\/tr>\n            <tr>\n              <td>Monthly relief returned to household budgets<\/td>\n              <td>~$3.5 billion<\/td>\n            <\/tr>\n            <tr>\n              <td>Monthly cash savings: program deposits vs. what clients were paying to their creditors (2025 enrollments)<\/td>\n              <td>Median monthly savings: $468;<span class=\"outcomes-table__sub\">Average monthly savings: $608<\/span><\/td>\n            <\/tr>\n            <tr>\n              <td>Monthly cash savings: program deposits vs. minimum payments (2025 enrollments)<\/td>\n              <td>Median monthly savings: $614;<span class=\"outcomes-table__sub\">Average monthly savings: $822<\/span><\/td>\n            <\/tr>\n            <tr>\n              <td>Average savings on resolved debts (before program fees)<\/td>\n              <td>49%<\/td>\n            <\/tr>\n            <tr>\n              <td>Average savings on resolved debts (after program fees)<\/td>\n              <td>28%<\/td>\n            <\/tr>\n            <tr>\n              <td>Total cost vs. debt-relief alternatives (% of balance repaid)*<\/td>\n              <td>\n                <span class=\"outcomes-table__pairs\">\n                  <span class=\"outcomes-table__pair\"><span>Beyond Finance:<\/span><span>~75%<\/span><\/span>\n                  <span class=\"outcomes-table__pair\"><span>Credit counseling DMP:<\/span><span>~110\u2013130%<\/span><\/span>\n                  <span class=\"outcomes-table__pair\"><span>Consolidation loan:<\/span><span>~130\u2013187%<\/span><\/span>\n                  <span class=\"outcomes-table__pair\"><span>Minimum payments only:<\/span><span>~190\u2013340%<\/span><\/span>\n                <\/span>\n              <\/td>\n            <\/tr>\n            <tr>\n              <td>Clients receiving a first resolution offer within 3 months<\/td>\n              <td>70%<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, 2025. Savings are for all customers across 2025. Savings for resolved debts excludes legally contested accounts. First resolution results are for engaged program participants for 2025. *The ~75% total-cost-vs.-alternatives value reflects median outcomes for Beyond Finance programs that graduated in 2025 (Figure 12) \u2014 a different population and measure than the 28% average-savings value above, which reflects the average across all individual debts resolved in 2025 for engaged program participants (Figure 9).<\/figcaption>\n      <\/figure>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--gray outcomes-bleed outcomes-section--tight-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <div class=\"outcomes-stack outcomes-stack--8\">\n        <h2 class=\"outcomes-h2\" id=\"who-we-serve\">Who <span class=\"outcomes-h2__accent\">We Serve<\/span><\/h2>\n        <p class=\"outcomes-deck\">Debt is now the norm, <span class=\"outcomes-deck__accent\">not the exception.<\/span><\/p>\n      <\/div>\n      <div class=\"outcomes-prose\">\n        <p>U.S. household debt hit a record $18.8 trillion in Q1 2026 \u2014 up $4.6 trillion since the end of 2019. Credit card balances make up $1.25 trillion of that, and the average APR on cards carrying a balance is nearly 22%, up from about 15% in early 2021. As of Q1 2026, 4.8% of all household debt was in some stage of delinquency.<\/p>\n        <p>Americans increasingly cannot pay off their credit cards. 47% of cardholders now carry a balance month to month, and of those, 61% have carried it for at least a year and 22% don\u2019t expect to ever pay it off. About 27 million Americans can only afford the minimum payment.<\/p>\n        <p>This is not a story of overspending; Americans have been absorbing shocks they neither controlled nor chose. The most common reason people fall into debt is an emergency or unexpected expense, cited by 41% of debtors. Another 33% point to everyday costs like groceries and utilities, up from 26% just two years earlier, as prices outran paychecks. The strain doesn\u2019t stay financial: 43% of Americans say money is hurting their mental health, and many describe the experience of carrying debt as feeling like they can\u2019t make a dent \u2014 and like there\u2019s no way out.<\/p>\n        <p>This is the reality Beyond Finance was built for. Debt is no longer a fringe issue confined to a narrow slice of the population; it is the mainstream American experience. Beyond Finance exists to meet that reality head on.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 2<\/p>\n        <h3 class=\"outcomes-figure__title\">U.S. household debt, Q1 2026<\/h3>\n        <p class=\"outcomes-figure__desc\">Federal Reserve and consumer-survey measures of household debt.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\" colspan=\"2\">U.S. Household Debt (Q1 2026)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr class=\"is-highlight\">\n            <td>Total household debt<\/td>\n            <td>$18.8 trillion+<\/td>\n          <\/tr>\n          <tr>\n            <td>Increase since end of 2019<\/td>\n            <td>$4.6 trillion<\/td>\n          <\/tr>\n          <tr>\n            <td>Credit card balances<\/td>\n            <td>$1.25 trillion+<\/td>\n          <\/tr>\n          <tr>\n            <td>Average APR on cards carrying a balance<\/td>\n            <td>~22%<\/td>\n          <\/tr>\n          <tr>\n            <td>Cardholders carrying a balance<\/td>\n            <td>~47%<\/td>\n          <\/tr>\n          <tr>\n            <td>Cardholders carrying a balance for 1+ year<\/td>\n            <td>~61%<\/td>\n          <\/tr>\n          <tr>\n            <td>Cardholders who don\u2019t expect to ever pay it off<\/td>\n            <td>~22%<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Sources: New York Fed (Household Debt and Credit, Q1 2026); Federal Reserve G.19; Bankrate 2026; TransUnion; WalletHub<\/figcaption>\n    <\/figure>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--flush-top outcomes-section--gray outcomes-bleed\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <div class=\"outcomes-stack outcomes-stack--16\">\n        <h3 class=\"outcomes-h3\">Who is Beyond Finance for?<\/h3>\n        <div class=\"outcomes-prose\">\n          <p>Beyond Finance is built for consumers with $5,000 or more in unsecured debt who will benefit from monthly cash flow relief, and a plan that tackles their principal balances \u2014 rather than stretching out minimum payments over many years. Clients span the full credit spectrum \u2014 roughly 500 to 750+ FICO \u2014 and across every income level, from fixed-income retirees on Social Security to working households across America.<\/p>\n        <\/div>\n      <\/div>\n\n      <figure class=\"outcomes-figure\">\n        <div class=\"outcomes-figure__head\">\n          <p class=\"outcomes-figure__label\">Figure 3<\/p>\n          <h4 class=\"outcomes-figure__title\">Beyond Finance typical client profile at enrollment<\/h4>\n          <p class=\"outcomes-figure__desc\">Credit profile, enrolled debt, and budget position of newly enrolled clients.<\/p>\n        <\/div>\n\n        <table class=\"outcomes-table outcomes-table--value-200\">\n          <thead>\n            <tr>\n              <th scope=\"col\">Metric<\/th>\n              <th scope=\"col\">Detail<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td>Credit Scores Served<\/td>\n              <td>500 \u2013 750+ FICO<\/td>\n            <\/tr>\n            <tr>\n              <td>Credit Card and Personal Loan Balances<\/td>\n              <td>$5,000 \u2013 $250,000+<\/td>\n            <\/tr>\n            <tr>\n              <td>Household Income<\/td>\n              <td>All Incomes including Pensions and Social Security<\/td>\n            <\/tr>\n            <tr>\n              <td>State Availability<\/td>\n              <td>All 50 and DC<\/td>\n            <\/tr>\n            <tr>\n              <td>Age<\/td>\n              <td>18+<\/td>\n            <\/tr>\n            <tr>\n              <td>Unsecured debt-to-income ratio<\/td>\n              <td>10\u201350%+<\/td>\n            <\/tr>\n            <tr>\n              <td>Average monthly creditor payments before enrolling<\/td>\n              <td>$1,178<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client enrollment data. Evaluations, offers, and services are available in all 50 states and DC.<\/figcaption>\n      <\/figure>\n    <\/div>\n\n    <div class=\"outcomes-stack\">\n      <div class=\"outcomes-stack outcomes-stack--16\">\n        <h3 class=\"outcomes-h3\">Why Clients Reach Out<\/h3>\n        <div class=\"outcomes-prose\">\n          <p>Credit card debt is mostly a story of necessity, not splurging. In Bankrate\u2019s 2026 survey, 41% of debtors pointed to an emergency or unexpected expense \u2014 medical bills (12%), car repairs (8%), home repairs (8%) \u2014 and 33% to day-to-day costs like groceries and utilities, up from 26% in 2023. Beyond Finance\u2019s own enrollments mirror this:<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"outcomes-rings\">\n\n        <div class=\"outcomes-ring\">\n          <div class=\"outcomes-ring__canvas\">\n            <svg class=\"outcomes-ring__svg\" viewBox=\"0 0 180 180\" role=\"img\" aria-label=\"Job loss or pay cut: 1 in 4 clients\">\n              <circle class=\"outcomes-ring__track\" cx=\"90\" cy=\"90\" r=\"80\"><\/circle>\n              <circle class=\"outcomes-ring__arc\" cx=\"90\" cy=\"90\" r=\"80\" pathLength=\"100\" stroke-dasharray=\"25 100\"><\/circle>\n            <\/svg>\n            <span class=\"outcomes-ring__label\">Job loss or pay cut<\/span>\n          <\/div>\n          <p class=\"outcomes-ring__caption\">1 in 4 clients<\/p>\n        <\/div>\n\n        <div class=\"outcomes-ring\">\n          <div class=\"outcomes-ring__canvas\">\n            <svg class=\"outcomes-ring__svg\" viewBox=\"0 0 180 180\" role=\"img\" aria-label=\"Medical expenses: 1 in 8 clients\">\n              <circle class=\"outcomes-ring__track\" cx=\"90\" cy=\"90\" r=\"80\"><\/circle>\n              <circle class=\"outcomes-ring__arc\" cx=\"90\" cy=\"90\" r=\"80\" pathLength=\"100\" stroke-dasharray=\"12.5 100\"><\/circle>\n            <\/svg>\n            <span class=\"outcomes-ring__label\">Medical expenses<\/span>\n          <\/div>\n          <p class=\"outcomes-ring__caption\">1 in 8 clients<\/p>\n        <\/div>\n\n        <div class=\"outcomes-ring\">\n          <div class=\"outcomes-ring__canvas\">\n            <svg class=\"outcomes-ring__svg\" viewBox=\"0 0 180 180\" role=\"img\" aria-label=\"Unexpected auto or home repair: 1 in 14 clients\">\n              <circle class=\"outcomes-ring__track\" cx=\"90\" cy=\"90\" r=\"80\"><\/circle>\n              <circle class=\"outcomes-ring__arc\" cx=\"90\" cy=\"90\" r=\"80\" pathLength=\"100\" stroke-dasharray=\"7.1 100\"><\/circle>\n            <\/svg>\n            <span class=\"outcomes-ring__label outcomes-ring__label--sm\">Unexpected auto or home repair<\/span>\n          <\/div>\n          <p class=\"outcomes-ring__caption\">1 in 14 clients<\/p>\n        <\/div>\n\n        <div class=\"outcomes-ring\">\n          <div class=\"outcomes-ring__canvas\">\n            <svg class=\"outcomes-ring__svg\" viewBox=\"0 0 180 180\" role=\"img\" aria-label=\"Divorce: 1 in 17 clients\">\n              <circle class=\"outcomes-ring__track\" cx=\"90\" cy=\"90\" r=\"80\"><\/circle>\n              <circle class=\"outcomes-ring__arc\" cx=\"90\" cy=\"90\" r=\"80\" pathLength=\"100\" stroke-dasharray=\"5.9 100\"><\/circle>\n            <\/svg>\n            <span class=\"outcomes-ring__label\">Divorce<\/span>\n          <\/div>\n          <p class=\"outcomes-ring__caption\">1 in 17 clients<\/p>\n        <\/div>\n\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tight-bottom outcomes-section--flush-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--24\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h2 class=\"outcomes-h2\" id=\"client-savings\">Client <span class=\"outcomes-h2__accent\">Savings<\/span><\/h2>\n      <div class=\"outcomes-prose\">\n        <p>In 2025, Beyond Finance delivered savings to its clients in two distinct ways \u2014 by reducing the total debt they owed, and by lowering what they pay each month.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-metrics\">\n      <div class=\"outcomes-metric\">\n        <div class=\"outcomes-metric__head\">\n          <p class=\"outcomes-metric__value\">$1.17 billion<\/p>\n          <p class=\"outcomes-metric__label\">Saved for clients, after program fees across all clients in 2025<\/p>\n        <\/div>\n        <p class=\"outcomes-metric__body\">This is the total amount by which Beyond Finance reduced our clients\u2019 debt in 2025, measured after program fees were collected. It is the gap between what clients owed their creditors (outstanding balances) and what they will actually pay to resolve those balances \u2014 money that will stay with clients instead of going towards debt. Because it is calculated after program fees, it reflects the real savings benefit clients received. This is a cumulative debt-reduction measure: the savings clients saw by resolving their debt for less than the full balance owed.<\/p>\n      <\/div>\n\n      <div class=\"outcomes-metric\">\n        <div class=\"outcomes-metric__head\">\n          <p class=\"outcomes-metric__value\">$3.5 billion<\/p>\n          <p class=\"outcomes-metric__label\">Returned to household budgets through lower monthly payments, 2025<\/p>\n        <\/div>\n        <p class=\"outcomes-metric__body\">This is the total monthly payment relief Beyond Finance clients gained over the course of 2025 \u2014 the difference between what they paid in program deposits and what they were paying their creditors before, summed across every active client for the year. This number measures cash flow: the breathing room that returns to household budgets for rent, groceries, and other essentials while clients are in the program.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-lens\">\n      <p class=\"outcomes-lens__title\">The two numbers are different lenses \u2014<\/p>\n      <p class=\"outcomes-lens__body\">One is a reduction in what clients owe, the other a reduction in what they pay out each month.<\/p>\n    <\/div>\n\n    <img decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/family-checking-account-on-laptop.jpg\" alt=\"\" width=\"1726\" height=\"926\">\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tight-bottom outcomes-section--flush-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h3 class=\"outcomes-h3\" id=\"industry-savings\">Beyond Finance vs. Industry Savings<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>Beyond Finance\u2019s 2025 client savings can also be measured against the debt relief industry as a whole, using the total ACDR (Association for Consumer Debt Relief) attributes to its accredited member companies.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-metrics\">\n      <div class=\"outcomes-metric outcomes-metric--center\">\n        <div class=\"outcomes-metric__head\">\n          <p class=\"outcomes-metric__value\">$1.17 billion<\/p>\n          <div>\n            <p class=\"outcomes-metric__label\">Beyond Finance Client Savings, 2025<\/p>\n            <p class=\"outcomes-metric__sublabel\">Beyond Finance outcome data, 2025<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"outcomes-metric outcomes-metric--center\">\n        <div class=\"outcomes-metric__head\">\n          <p class=\"outcomes-metric__value\">~$2 billion<\/p>\n          <div>\n            <p class=\"outcomes-metric__label\">Total savings, ACDR-accredited providers<\/p>\n            <p class=\"outcomes-metric__sublabel\">ACDR, \u201cDebt Relief 101,\u201d 2025 (industry-wide)<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 4<\/p>\n        <h4 class=\"outcomes-figure__title\">Beyond Finance vs. all ACDR-accredited providers: client savings from resolved debt, 2025<\/h4>\n        <p class=\"outcomes-figure__desc\">Beyond Finance\u2019s 2025 client savings from resolved debt (including fees) compared with the industry-wide total 2025 savings from resolved debt ACDR attributes to its accredited members.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Metric<\/th>\n            <th scope=\"col\">2025<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Total savings, ACDR-accredited debt relief providers (industry-wide)<\/td>\n            <td>~$2 billion<\/td>\n          <\/tr>\n          <tr class=\"is-highlight\">\n            <td>Beyond Finance client savings<\/td>\n            <td>$1.17 billion<\/td>\n          <\/tr>\n          <tr>\n            <td>Combined savings, all other ACDR-accredited providers<\/td>\n            <td>~$0.83 billion<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: ACDR (Association for Consumer Debt Relief), \u201cDebt Relief 101,\u201d acdr.org\/debt-relief-101 (accessed July 2026): total annual savings ACDR attributes to accredited debt relief providers. Beyond Finance client savings reflects Beyond Finance\u2019s own 2025 outcome data (see Total client savings, above). The combined value for all other providers is derived by subtracting Beyond Finance\u2019s reported savings from ACDR\u2019s published total.<\/figcaption>\n    <\/figure>\n\n    <div class=\"outcomes-prose\">\n      <p>Beyond Finance\u2019s 2025 client savings alone exceed the combined savings of every other ACDR-accredited debt relief provider \u2014 making Beyond Finance the largest single source of client savings among ACDR\u2019s accredited membership.<\/p>\n    <\/div>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h3 class=\"outcomes-h3\" id=\"monthly-savings\">Monthly Savings<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>Beyond Finance lowers what clients pay each month, and that reduction is worth measuring in two ways: by comparing the Beyond Finance monthly program deposits to the minimum payments clients would otherwise pay, and by comparing the program deposits to what clients were actually paying to their creditors before they enrolled.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h4 class=\"outcomes-h4\" id=\"monthly-vs-minimums\">Monthly savings: program deposits vs. minimum payments<\/h4>\n      <div class=\"outcomes-prose\">\n        <p>Most clients arrive having tried to stay current by paying at least the minimum payments. At a typical credit card rate of about 22% APR, the minimum payment is mostly interest \u2014 paying that way can take roughly two decades to clear a balance, with the monthly cost staying high the majority of the payoff time.<\/p>\n        <p>Beyond Finance replaces those minimum payments with a single, lower monthly program deposit. On a dollar-weighted basis, clients save about 59% of what their minimum payments would require \u2014 a median of $614 and an average of $822 each month \u2014 and the savings grow with the size of the balance the client enrolls.<\/p>\n        <p>For a household in financial hardship, that gap is the difference between staying stuck in a cycle of interest and having room to cover essentials. Below, Figure 5 compares the minimum payments a typical client would face with the lower Beyond Finance program deposit, and the resulting savings; Figure 6 breaks the monthly savings out by debt amount.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 5<\/p>\n        <h4 class=\"outcomes-figure__title\">Monthly savings: program deposit vs. minimum payments, 2025 (median and average)<\/h4>\n        <p class=\"outcomes-figure__desc\">What a typical client would owe on credit-card minimums, the program deposit with Beyond Finance, and the resulting monthly savings. Median values are computed independently at the program level and do not sum arithmetically. The median Beyond Finance monthly deposit ($482) is the observed median deposit across all enrolled programs during 2025.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140 outcomes-table--tight-values\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Monthly payment<\/th>\n            <th scope=\"col\">Median<\/th>\n            <th scope=\"col\">Average<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Minimum payment<\/td>\n            <td>$1,117<\/td>\n            <td>$1,393<\/td>\n          <\/tr>\n          <tr>\n            <td>Beyond Finance monthly program deposit<\/td>\n            <td>$482<\/td>\n            <td>$571<\/td>\n          <\/tr>\n          <tr class=\"is-highlight\">\n            <td>Beyond Finance monthly savings (vs. minimum payment)<\/td>\n            <td>$614<\/td>\n            <td>$822<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, 2025 vintages; programs with known last actual payments to each creditor. The credit-card minimum is modeled as MAX($25 floor, 2% of balance + monthly interest at a 22% APR); the Beyond Finance monthly payment is that modeled minimum less the client\u2019s monthly savings.<\/figcaption>\n    <\/figure>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 6<\/p>\n        <h4 class=\"outcomes-figure__title\">Monthly savings: program deposits vs. minimum payments, by debt balance, 2025<\/h4>\n        <p class=\"outcomes-figure__desc\">Median and average monthly savings by enrolled balance debt, calculated by subtracting program deposit from the modeled credit-card minimum.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Client debt<\/th>\n            <th scope=\"col\">Median<br>saved \/ mo<\/th>\n            <th scope=\"col\">Avg<br>saved \/ mo<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>$10\u201315K<\/td><td>$240<\/td><td>$225<\/td><\/tr>\n          <tr><td>$15\u201325K<\/td><td>$405<\/td><td>$396<\/td><\/tr>\n          <tr><td>$25\u201335K<\/td><td>$629<\/td><td>$640<\/td><\/tr>\n          <tr><td>$35\u201350K<\/td><td>$958<\/td><td>$961<\/td><\/tr>\n          <tr><td>$50\u201375K<\/td><td>$1,394<\/td><td>$1,415<\/td><\/tr>\n          <tr><td>$75\u2013100K<\/td><td>$2,104<\/td><td>$2,123<\/td><\/tr>\n          <tr><td>&gt;$100K<\/td><td>$3,036<\/td><td>$3,310<\/td><\/tr>\n          <tr class=\"is-highlight\"><td>All bands<\/td><td>$614<\/td><td>$822<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, 2025 vintages; the credit-card minimum is modeled as MAX($25, 2% of balance + monthly interest at a 22% APR).<\/figcaption>\n    <\/figure>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h4 class=\"outcomes-h4\" id=\"monthly-vs-creditors\">Monthly savings: program deposits vs. what clients were paying their creditors<\/h4>\n      <div class=\"outcomes-prose\">\n        <p>Many clients were unable to keep up with minimum payments and were already underwater prior to enrolling. Often this need for immediate payment relief and inability to keep up is a driving force for them seeking debt relief. Others may have been able to pay higher than the minimums in an effort to make a bit more progress towards paying off balances. We use their last actual payments for each creditor before enrollment as a measure of what they were paying their creditors monthly to service their debt.<\/p>\n        <p>Measured against what clients were paying before, by joining Beyond Finance, clients freed up $608 a month on average \u2014 a median of $468, or roughly half of what they had been paying before joining Beyond Finance. In a typical household budget, freeing up that much cash each month is often what separates falling further behind from staying current.<\/p>\n        <p>This is the relief clients tend to feel first, before any single debt is resolved: more room in the monthly budget for rent, groceries, and other essentials. Below, Figure 7 compares what clients were paying their creditors against the lower Beyond Finance program deposit, and shows the resulting monthly savings; Figure 8 breaks the monthly savings out by debt balance.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 7<\/p>\n        <h4 class=\"outcomes-figure__title\">Monthly savings: program deposit vs. creditor payments, 2025 (median and average)<\/h4>\n        <p class=\"outcomes-figure__desc\">What a typical client was paying their creditors monthly before enrolling compared against the program deposit with Beyond Finance, and the resulting monthly savings. Median values are computed independently at the program level and do not sum arithmetically. The median Beyond Finance monthly deposit ($482) is the observed median deposit across all enrolled programs during 2025.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140 outcomes-table--tight-values\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Monthly payment<\/th>\n            <th scope=\"col\">Median<\/th>\n            <th scope=\"col\">Average<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Creditor payments before enrolling<\/td>\n            <td>$954<\/td>\n            <td>$1,178<\/td>\n          <\/tr>\n          <tr>\n            <td>Beyond Finance monthly program deposit<\/td>\n            <td>$482<\/td>\n            <td>$571<\/td>\n          <\/tr>\n          <tr class=\"is-highlight\">\n            <td>Beyond Finance monthly savings (vs. prior creditor payments)<\/td>\n            <td>$468<\/td>\n            <td>$608<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, 2025. Creditor payments before enrolling reflect each client\u2019s last actual monthly payment to each creditor prior to enrollment; medians and averages are reported separately and are not additive across columns.<\/figcaption>\n    <\/figure>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 8<\/p>\n        <h4 class=\"outcomes-figure__title\">Monthly savings: program deposits vs. what clients were paying to their creditors, by debt balance, 2025<\/h4>\n        <p class=\"outcomes-figure__desc\">Median and average monthly savings, comparing program deposit vs. client\u2019s actual last payments to each creditor before enrolling, by enrolled-balance band.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Client debt<\/th>\n            <th scope=\"col\">Median<br>saved \/ mo<\/th>\n            <th scope=\"col\">Avg<br>saved \/ mo<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>$10\u201315K<\/td><td>$213<\/td><td>$223<\/td><\/tr>\n          <tr><td>$15\u201325K<\/td><td>$315<\/td><td>$326<\/td><\/tr>\n          <tr><td>$25\u201335K<\/td><td>$469<\/td><td>$486<\/td><\/tr>\n          <tr><td>$35\u201350K<\/td><td>$673<\/td><td>$699<\/td><\/tr>\n          <tr><td>$50\u201375K<\/td><td>$958<\/td><td>$994<\/td><\/tr>\n          <tr><td>$75\u2013100K<\/td><td>$1,432<\/td><td>$1,473<\/td><\/tr>\n          <tr><td>&gt;$100K<\/td><td>$2,060<\/td><td>$2,232<\/td><\/tr>\n          <tr class=\"is-highlight\"><td>All bands<\/td><td>$468<\/td><td>$608<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, 2025. Monthly savings measured by comparing each client\u2019s last actual payments to each creditor before enrollment to program deposits, by enrolled-balance band.<\/figcaption>\n    <\/figure>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tight-bottom outcomes-section--flush-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--32\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <h3 class=\"outcomes-h3 outcomes-h3--semibold\" id=\"resolved-accounts\">Savings Across Resolved Accounts<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>In 2025, Beyond Finance saved our clients $1.17 billion by obtaining offers reducing clients\u2019 debt even after program fees. Measured against the full outstanding balances, clients in 2025 resolved their debts for substantially less.<\/p>\n        <p>Below we lay out the average savings across all individual debts resolved in 2025 \u2014 the outstanding balances compared to the negotiated balance for each resolved debt.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 9<\/p>\n        <h4 class=\"outcomes-figure__title\">Average Savings Across Resolved Accounts, 2025<\/h4>\n        <p class=\"outcomes-figure__desc\">Average savings based on the difference between the creditor balance at the time of negotiation and what clients actually paid to resolve that debt, before and after fees.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Savings based on outstanding debt balance compared to negotiated balance<\/th>\n            <th scope=\"col\">Result<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Average savings on debts resolved in 2025 (before program fees)<\/td>\n            <td>49%<\/td>\n          <\/tr>\n          <tr>\n            <td>Average savings on debts resolved in 2025 (after program fees)<\/td>\n            <td>28%<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance resolution offers for all programs in 2025 with engaged program participants. Savings measured by comparing creditor balance at time of negotiation to what clients will actually pay to resolve that debt. Savings for resolved debts excludes legally contested accounts.<\/figcaption>\n    <\/figure>\n\n    <div class=\"outcomes-prose\">\n      <p>On average, before program fees, clients resolved debts for approximately 51 cents on the dollar. On average, after program fees, clients paid roughly 72 cents on the dollar versus their outstanding debt. In their first year in the program, engaged clients saved an average of roughly $4,200 across their resolved debts, after program fees. These numbers reflect observed outcomes for engaged program participants \u2014 not projected or illustrative savings estimates. That 72-cents-on-the-dollar outcome compares to 110\u2013130% of balance under a typical credit counseling debt management plan and ~130\u2013187% under a debt consolidation loan (see Figure 12) \u2014 meaning Beyond Finance clients pay less even after fees than they would repaying the same debt through other structured options.<\/p>\n    <\/div>\n\n    <blockquote class=\"outcomes-callout outcomes-callout--media\">\n      <p>In their first year in the program, engaged clients saved an average of roughly $4,200 across their resolved debts, after program fees.<\/p>\n      <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-callout__media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/father-son-piggyback-outdoors.jpg\" alt=\"\" width=\"656\" height=\"656\">\n    <\/blockquote>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--32\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h3 class=\"outcomes-h3 outcomes-h3--semibold\" id=\"total-program-savings\">Total Program Savings<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>Monthly savings are what clients feel first, but the fuller measure of the program impact is the total savings from resolving the debt \u2014 and how that compares with the alternatives a client would otherwise face. We look at the savings in three ways:<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-approaches\">\n      <div class=\"outcomes-approach\">\n        <p class=\"outcomes-approach__num\">1<\/p>\n        <p class=\"outcomes-approach__text\">Total program payments compared to <strong>what clients would have paid through making minimum payments over the years.<\/strong><\/p>\n      <\/div>\n      <div class=\"outcomes-approach\">\n        <p class=\"outcomes-approach__num\">2<\/p>\n        <p class=\"outcomes-approach__text\">Total program payments compared to<strong> total outstanding balance, per graduating client \u2014 across all 2025 program graduates.<\/strong><\/p>\n      <\/div>\n      <div class=\"outcomes-approach\">\n        <p class=\"outcomes-approach__num\">3<\/p>\n        <p class=\"outcomes-approach__text\">Total program payments and payoff timeline compared to <strong>other paths out of debt \u2014 a credit counseling debt management program, a consolidation loan, and making minimum payments only.<\/strong><\/p>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--flush-top\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h4 class=\"outcomes-h4\" id=\"program-vs-minimum-path\">Program savings: program vs. the minimum-payment path<\/h4>\n      <div class=\"outcomes-prose\">\n        <p>For most clients, the realistic alternative to a debt resolution program is not paying the balance off in a lump sum \u2014 it is continuing to make minimum payments for years. The most meaningful measure of program savings, then, is how the total a client pays through Beyond Finance compares with the total they would have paid by staying on that minimum-payment path.<\/p>\n        <p>That difference is large, and it grows with the size of the balance. Across all programs that graduated in 2025, clients saved a median of $17,235 \u2014 with an average of $21,636 \u2014 based on having avoided the cost of continued minimum payments. For households carrying $15,000 or more in debt, the avoided cost runs well into the tens of thousands of dollars that would otherwise have gone to interest over many years, locking consumers into a cycle of repayment that would primarily service debt rather than reduce it.<\/p>\n        <p>These numbers are conservative in one important respect: they assume the consumer takes on no new debt or credit while repaying, and simply lets the existing balance run down under minimum payments. In reality, consumers on a minimum-payment path often keep using credit and continue accruing interest, so the true cost of that path is frequently higher than what is shown here. Therefore, the savings from resolving debt through Beyond Finance can often be considerably greater than these numbers suggest.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 10<\/p>\n        <h5 class=\"outcomes-figure__title\">Program savings: program vs. the minimum-payment path, by debt balance, 2025<\/h5>\n        <p class=\"outcomes-figure__desc\">How much clients save, calculated by comparing total program payments with the cost of repaying the same debt through minimum payments.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-220\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Debt balance<\/th>\n            <th scope=\"col\">Avg program savings from avoiding the min payment path<\/th>\n            <th scope=\"col\">Median program savings from avoiding the min payment path<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>&lt;$10K<\/td><td>$7,645<\/td><td>$7,220<\/td><\/tr>\n          <tr><td>$10K\u201315K<\/td><td>$9,159<\/td><td>$9,657<\/td><\/tr>\n          <tr><td>$15\u201325K<\/td><td>$14,863<\/td><td>$15,611<\/td><\/tr>\n          <tr><td>$25\u201335K<\/td><td>$22,265<\/td><td>$24,503<\/td><\/tr>\n          <tr><td>$35\u201350K<\/td><td>$31,294<\/td><td>$34,398<\/td><\/tr>\n          <tr><td>$50\u201375K<\/td><td>$44,753<\/td><td>$49,068<\/td><\/tr>\n          <tr><td>$75\u2013100K<\/td><td>$57,680<\/td><td>$59,785<\/td><\/tr>\n          <tr><td>&gt;$100K<\/td><td>$73,432<\/td><td>$69,361<\/td><\/tr>\n          <tr class=\"is-highlight\"><td>All graduated programs<\/td><td>$21,636<\/td><td>$17,235<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, programs graduated in 2025. Savings reflect the total a client repays through Beyond Finance based on the difference between total program payments and the cost of repaying the same balance through credit-card minimum payments. Minimum payments are modeled as (2% of balance + interest, national average at a 22% APR).<\/figcaption>\n    <\/figure>\n\n    <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/woman-with-dog-checking-account-laptop.jpg\" alt=\"\" width=\"1712\" height=\"987\">\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--flush-top\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h4 class=\"outcomes-h4\" id=\"program-vs-balance\">Program savings: program vs. outstanding balance<\/h4>\n      <div class=\"outcomes-prose\">\n        <p>Across programs that graduated in 2025, clients saved an average of $6,028 \u2014 a median of $4,890 \u2014 based on comparing total program payments (including program fees) against their total outstanding balance. Savings differ based on debt balance:<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 11<\/p>\n        <h5 class=\"outcomes-figure__title\">Program savings: program vs. outstanding balance, by debt balance, 2025 (average and median dollars)<\/h5>\n        <p class=\"outcomes-figure__desc\">Total dollars saved across the program based on comparing their total program payments and their outstanding balances at the time of each negotiation, by enrolled-debt balance.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Client debt<\/th>\n            <th scope=\"col\">Average savings<\/th>\n            <th scope=\"col\">Median savings<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>&lt;$10K<\/td><td>$2,639<\/td><td>$2,564<\/td><\/tr>\n          <tr><td>$10\u201315K<\/td><td>$3,008<\/td><td>$2,983<\/td><\/tr>\n          <tr><td>$15\u201325K<\/td><td>$4,454<\/td><td>$4,366<\/td><\/tr>\n          <tr><td>$25\u201335K<\/td><td>$6,260<\/td><td>$6,277<\/td><\/tr>\n          <tr><td>$35\u201350K<\/td><td>$8,355<\/td><td>$8,378<\/td><\/tr>\n          <tr><td>$50\u201375K<\/td><td>$11,544<\/td><td>$11,396<\/td><\/tr>\n          <tr><td>$75\u2013100K<\/td><td>$14,279<\/td><td>$14,074<\/td><\/tr>\n          <tr><td>&gt;$100K<\/td><td>$16,699<\/td><td>$13,737<\/td><\/tr>\n          <tr class=\"is-highlight\"><td>All bands<\/td><td>$6,028<\/td><td>$4,890<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Source: Beyond Finance client outcome data, programs graduated in 2025. Savings measured by calculating the outstanding balance minus total program payments.<\/figcaption>\n    <\/figure>\n\n    <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/family-laughing-outdoors-park.jpg\" alt=\"\" width=\"1712\" height=\"851\">\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--flush-top outcomes-section--tight-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h4 class=\"outcomes-h4\" id=\"program-vs-alternatives\">Program savings: program vs. cost of other options<\/h4>\n      <div class=\"outcomes-prose\">\n        <p>The simplest comparison, and the easiest to picture, is what a client would pay by resolving the balance in full today, in one lump sum, with no fees or interest: 100% of the balance. Few Beyond Finance clients are in a position to do that \u2014 enrolling in the program is itself a sign they don\u2019t have the funds on hand \u2014 but even against that best-case baseline, Beyond Finance comes out ahead, since clients pay roughly 75% of their balance after program fees.<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 12<\/p>\n        <h5 class=\"outcomes-figure__title\">Beyond Finance vs. the alternatives: total paid and timeline<\/h5>\n        <p class=\"outcomes-figure__desc\">Total amount paid and time to complete payoff for Beyond Finance\u2019s debt resolution program, a credit-counseling DMP, and minimum payments. Total amount paid for Beyond Finance is defined by total program payments.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--alternatives\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Approach<\/th>\n            <th scope=\"col\">Total Repaid (% of Balance)<\/th>\n            <th scope=\"col\">Typical Timeline<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr class=\"is-highlight\">\n            <td class=\"is-strong\">Beyond Finance<\/td>\n            <td>~75% after program fees<\/td>\n            <td>24\u201348 months<\/td>\n          <\/tr>\n          <tr>\n            <td>Pay off in full today (lump sum)<\/td>\n            <td>100% (no fees or interest)<\/td>\n            <td>Immediate (requires full funds on hand)<\/td>\n          <\/tr>\n          <tr>\n            <td>Credit counseling debt management plan<\/td>\n            <td>110\u2013130%<\/td>\n            <td>48\u201360 months<\/td>\n          <\/tr>\n          <tr>\n            <td>Consolidation loan<\/td>\n            <td>130\u2013187%<\/td>\n            <td>36\u201360 months<\/td>\n          <\/tr>\n          <tr>\n            <td>Minimum payments only<\/td>\n            <td>190\u2013340%<\/td>\n            <td>208\u2013348 months (17\u201329 years)<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Assumptions: Minimum payments range reflects a favorable (2% of balance + interest, national average 22% APR) scenario and a typical scenario for subprime cardholders (1% of balance + interest, 30% APR). DMP numbers reflect NFCC member agency program terms: 100% principal repayment over 4\u20135 years at reduced interest rates (NFCC published program guidelines). Consolidation loan assumes 100% of principal plus interest at 18\u201328% APR over 36\u201360 months; lower credit scores typically mean higher rates and a higher total. Beyond Finance numbers reflect observed median outcomes against outstanding balances for graduated programs.<\/figcaption>\n    <\/figure>\n\n    <div class=\"outcomes-prose\">\n      <p>Consumers making only minimum payments at typical rates may pay roughly double to more than triple what they owed, over 17 to 29 years \u2014 4 to 14 times longer than a Beyond Finance program. Clients typically resolve and pay off their debt in 24 to 48 months and pay approximately 75% of their balance after program fees. By comparison, credit counseling DMPs require 48 to 60 months and repayment of 110\u2013130% of the original balance.<\/p>\n      <p>Of all these differences, the ones that matter most to clients is the total amount they will pay and timeline to be free of the debt. A consolidation loan or a credit counseling DMP leaves the full principal in place and adds interest or fees on top, so the lifetime cost stays above 100% of what was owed. Beyond Finance resolves the debt for roughly three-quarters of the outstanding balance after program fees \u2014 and for most clients, that difference, often tens of thousands of dollars, is the single biggest reason they enroll.<\/p>\n      <p>Total cost is not the only consideration. Beyond Finance\u2019s debt resolution program is designed for unsecured debt a client is genuinely struggling to repay. Clients in this situation often cannot qualify for a low-rate consolidation loan, or keep pace with a higher payment required by a debt management plan, given that their household finances and budget need greater payment relief. For households already falling behind, the lower total cost of resolving their debt is what delivers real relief, and it is the reason they choose Beyond Finance over other options.<\/p>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <h2 class=\"outcomes-h2\" id=\"speed-to-resolution\">Speed to <span class=\"outcomes-h2__accent\">Resolution<\/span><\/h2>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <div class=\"outcomes-stats\">\n        <div class=\"outcomes-stat outcomes-stat--pink\">\n          <p class=\"outcomes-stat__value\">~90 days<\/p>\n          <p class=\"outcomes-stat__label\">Median time to first resolved debt<\/p>\n          <p class=\"outcomes-stat__note\">vs. a 4\u20136 month industry norm<\/p>\n        <\/div>\n        <div class=\"outcomes-stat outcomes-stat--pink\">\n          <p class=\"outcomes-stat__value\">70%<\/p>\n          <p class=\"outcomes-stat__label\">Receive a first resolution offer within 3 months<\/p>\n          <p class=\"outcomes-stat__note\">of enrolling<\/p>\n        <\/div>\n        <div class=\"outcomes-stat outcomes-stat--pink\">\n          <p class=\"outcomes-stat__value\">92%<\/p>\n          <p class=\"outcomes-stat__label\">Receive a first resolution offer within 6 months<\/p>\n          <p class=\"outcomes-stat__note\">of enrolling<\/p>\n        <\/div>\n      <\/div>\n      <p class=\"outcomes-note\">Source: Beyond Finance client outcome data for Engaged Program Participants, 2025.<\/p>\n    <\/div>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h3 class=\"outcomes-h3\">How fast does Beyond Finance resolve debt?<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>Beyond Finance is designed to deliver progress quickly \u2014 giving new clients results that demonstrate that the process is working. Beyond Finance\u2019s median time for clients to see their first resolved debt is approximately 90 days. In this report, a resolution offer is defined as a negotiated reduction a client can accept, while a debt being resolved means that agreement is finalized and the first payment is made toward it. Most clients receive a first offer within three months.<\/p>\n        <p>In 2025, among engaged program participants, over half of these clients\u2019 enrolled debt \u2014 53% \u2014 was already resolved within the first 12 months<sup>1<\/sup>. 98% had at least one debt resolved within their first year in the program, with an average of nearly four debts resolved in that first year.<\/p>\n        <p>With most clients receiving a first resolution offer within the first three months, the program delivers visible results early.<\/p>\n      <\/div>\n    <\/div>\n\n    <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/man-checking-his-account-on-phone-living-room.jpg\" alt=\"\" width=\"1712\" height=\"798\">\n\n    <p class=\"outcomes-note\"><sup>1<\/sup> Based on the 2024 enrolled and engaged client population, which has a complete 12 months of program history; clients who enrolled in 2025 have not yet reached a full 12 months.<\/p>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tint outcomes-bleed\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h2 class=\"outcomes-h2\" id=\"track-record\">An Established <span class=\"outcomes-h2__accent\">Track Record<\/span><\/h2>\n      <div class=\"outcomes-prose outcomes-prose--lg\">\n        <p>Beyond Finance is among the largest debt resolution providers, putting us in a strong position to negotiate with creditors. We have an established track record of resolving client debt at scale \u2014 $4.7 billion in 2025 and $3.6 billion in 2024.<\/p>\n        <p>In 2025, we successfully negotiated offers with over 5,000 creditors, and over 10,000 since we\u2019ve been in business. This demonstrates our strong ability to bring creditors to the table and achieve great outcomes for our clients.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-badge-media\">\n      <span class=\"outcomes-badge-media__circle\"><\/span>\n      <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-badge-media__photo\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/outcomes-track-record.jpg\" alt=\"\" width=\"417\" height=\"442\">\n      <svg class=\"outcomes-badge-media__arcs\" viewBox=\"0 0 116 116\" fill=\"none\" aria-hidden=\"true\">\n        <circle cx=\"58\" cy=\"58\" r=\"30\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-dasharray=\"94 94\" stroke-dashoffset=\"47\" opacity=\"0.85\"><\/circle>\n        <circle cx=\"58\" cy=\"58\" r=\"43\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-dasharray=\"135 135\" stroke-dashoffset=\"68\" opacity=\"0.7\"><\/circle>\n        <circle cx=\"58\" cy=\"58\" r=\"56\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-dasharray=\"176 176\" stroke-dashoffset=\"88\" opacity=\"0.55\"><\/circle>\n      <\/svg>\n      <div class=\"outcomes-badge-media__badge\">\n        <p class=\"outcomes-badge-media__value\">$4.7 Billion<\/p>\n        <p class=\"outcomes-badge-media__label\">Resolved in 2025<\/p>\n      <\/div>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 13<\/p>\n        <h3 class=\"outcomes-figure__title\">Negotiations reached and creditor outcomes, 2025 and all-time<\/h3>\n        <p class=\"outcomes-figure__desc\">Accounts resolved and distinct creditors and debt buyers engaged.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-140\">\n        <thead>\n          <tr>\n            <th scope=\"col\"><span class=\"outcomes-visually-hidden\">Metric<\/span><\/th>\n            <th scope=\"col\">2025<\/th>\n            <th scope=\"col\">All time<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr class=\"is-highlight\">\n            <td>Accounts resolved<\/td>\n            <td>1.0 million<\/td>\n            <td>3.3 million+<\/td>\n          <\/tr>\n          <tr>\n            <td>Distinct creditors &amp; debt buyers<\/td>\n            <td>5,000+<\/td>\n            <td>10,700+<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tight-bottom\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <h2 class=\"outcomes-h2\" id=\"client-success-trust\">Client Success <span class=\"outcomes-h2__accent\">&amp; Trust<\/span><\/h2>\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <div class=\"outcomes-stack outcomes-stack--16\">\n        <h3 class=\"outcomes-h3\">When clients need help, they reach a highly trained specialist<\/h3>\n        <div class=\"outcomes-prose\">\n          <p>For someone navigating a financial hardship, being able to reach a knowledgeable representative quickly is part of the relief itself. When clients call Beyond Finance, they reach a highly trained, U.S.-based employee. Clients are supported by highly trained certified debt specialists, available 365 days a year. With a CSAT of &gt;90%, it\u2019s clear customers appreciate the quality of service.<\/p>\n          <p>High satisfaction has held steady for four consecutive quarters, so this metric reflects how the service operation runs day to day, not just a single strong period.<\/p>\n          <p>Beyond Finance\u2019s service operation is built around U.S.-based, highly trained support. The metrics below summarize that operation and the company\u2019s standing across review platforms in 2025:<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"outcomes-csat\">\n        <div>\n          <p class=\"outcomes-csat__value\">93%<\/p>\n          <p class=\"outcomes-csat__label\">Customer satisfaction (CSAT) for general customer service inquiries<\/p>\n        <\/div>\n        <p class=\"outcomes-csat__note\">Measured across general customer service interactions in 2025.<\/p>\n      <\/div>\n\n      <p class=\"outcomes-figure__source outcomes-csat__source\">Source: Beyond Finance customer service operations data in 2025.<\/p>\n    <\/div>\n\n    <figure class=\"outcomes-figure\">\n      <div class=\"outcomes-figure__head\">\n        <p class=\"outcomes-figure__label\">Figure 14<\/p>\n        <h3 class=\"outcomes-figure__title\">Customer service and trust metrics, 2025<\/h3>\n        <p class=\"outcomes-figure__desc\">Service availability, U.S.-based call handling, training, response speed, and platform ratings.<\/p>\n      <\/div>\n\n      <table class=\"outcomes-table outcomes-table--value-180\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Service &amp; trust metric<\/th>\n            <th scope=\"col\">2025<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Days open for customer service<\/td><td>365<\/td><\/tr>\n          <tr><td>Phone calls answered by U.S.-based employees<\/td><td>100%<\/td><\/tr>\n          <tr><td>Calls connected to a person within two minutes<\/td><td>96%<\/td><\/tr>\n          <tr><td>Hours of training completed by client-facing staff<\/td><td>More than 300,000 hrs<\/td><\/tr>\n          <tr><td>Trustpilot rating<\/td><td>4.6\/5<\/td><\/tr>\n          <tr><td>Google rating<\/td><td>4.6\/5<\/td><\/tr>\n          <tr><td>Better Business Bureau rating<\/td><td>A+<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <figcaption class=\"outcomes-figure__source\">Days open, U.S.-based call handling, and training hours reflect 2025 operations.<\/figcaption>\n    <\/figure>\n\n    <div class=\"outcomes-stack outcomes-stack--16\">\n      <h3 class=\"outcomes-h3\">Recognition<\/h3>\n      <div class=\"outcomes-prose\">\n        <p>Beyond Finance has earned more than 20 awards for excellence in customer service, including Organization of the Year from the Business Intelligence Group, three Gold Stevie\u00ae Awards from the American Business Awards, Financial Wellness Champion from the FinTech Futures Banking Tech Awards, and six consecutive Buyer\u2019s Choice Awards from ConsumerAffairs.<\/p>\n        <p>The company holds an A+ rating with the Better Business Bureau and a 4.6 out of 5.0 rating on both Trustpilot and Google. Aggregated across all review platforms \u2014 including Trustpilot, Google, ConsumerAffairs, and the Better Business Bureau \u2014 Beyond Finance has earned more than 68,000 five-star reviews, and 86% of all reviews across platforms are five stars.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-badges\">\n      <div class=\"outcomes-badge\">\n        <span class=\"outcomes-badge__art\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/Excellence-CustServ-Award-2025.png\" alt=\"Excellence in Customer Service Award 2025\" width=\"124\" height=\"145\"><\/span>\n        <p class=\"outcomes-badge__caption\">Organization of the Year<br><span class=\"outcomes-badge__year\">2025<\/span><\/p>\n      <\/div>\n      <div class=\"outcomes-badge\">\n        <span class=\"outcomes-badge__art\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/stevieawards_emblemlogo_c_0220.png\" alt=\"Stevie Awards\" width=\"98\" height=\"125\"><\/span>\n        <p class=\"outcomes-badge__caption\">2x Gold <span class=\"outcomes-badge__year\">2026<\/span><br>Gold <span class=\"outcomes-badge__year\">2025<\/span><\/p>\n      <\/div>\n      <div class=\"outcomes-badge\">\n        <span class=\"outcomes-badge__art\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/BTA-2025-logo.png\" alt=\"Banking Tech Awards 2025\" width=\"174\" height=\"52\"><\/span>\n        <p class=\"outcomes-badge__caption\">Financial Wellness<br>Champion <span class=\"outcomes-badge__year\">2025<\/span><\/p>\n      <\/div>\n      <div class=\"outcomes-badge\">\n        <span class=\"outcomes-badge__art\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/consumeraffairs-3x.png\" alt=\"ConsumerAffairs Buyer\u2019s Choice\" width=\"124\" height=\"124\"><\/span>\n        <p class=\"outcomes-badge__caption\">3x Winner <span class=\"outcomes-badge__year\">2025<\/span><br>3x Winner <span class=\"outcomes-badge__year\">2024<\/span><\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-reviews\">\n      <div class=\"outcomes-review\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__logo\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/BBB-A.png\" alt=\"Better Business Bureau\" width=\"125\" height=\"40\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__stars\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/review-stars.png\" alt=\"Rated 4.77 out of 5\" width=\"132\" height=\"19\">\n        <p class=\"outcomes-review__stat\">4.77\/5 \u00b7 10,000+ reviews<\/p>\n      <\/div>\n      <div class=\"outcomes-review\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__logo\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/trustpilot.png\" alt=\"Trustpilot\" width=\"160\" height=\"40\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__stars\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/review-stars.png\" alt=\"Rated 4.6 out of 5\" width=\"132\" height=\"19\">\n        <p class=\"outcomes-review__stat\">4.6\/5 \u00b7 21,000+ reviews<\/p>\n      <\/div>\n      <div class=\"outcomes-review\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__logo\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/Google.png\" alt=\"Google\" width=\"123\" height=\"40\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-review__stars\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/review-stars.png\" alt=\"Rated 4.6 out of 5\" width=\"132\" height=\"19\">\n        <p class=\"outcomes-review__stat\">4.6\/5 \u00b7 13,000+ reviews<\/p>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section\">\n  <div class=\"outcomes-w-md outcomes-stack\">\n\n    <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"outcomes-media\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/man-checking-account-on-phone-office.jpg\" alt=\"\" width=\"1712\" height=\"905\">\n\n    <div class=\"outcomes-stack outcomes-stack--24\">\n      <h2 class=\"outcomes-h2\" id=\"methodology\">Methodology <span class=\"outcomes-h2__accent\">&amp; Data Notes<\/span><\/h2>\n      <div class=\"outcomes-stack outcomes-stack--16\">\n        <h3 class=\"outcomes-h3\">Population<\/h3>\n        <div class=\"outcomes-prose\">\n          <p>Engaged program participants: Outcome metrics are drawn from clients who (1) were active during the calendar year of 2025, (2) remained in the program during the measured period, and (3) maintained their scheduled deposits at or above 95%. This represents clients who chose to stay in the program and maintained consistent participation \u2014 comparable to consumers who maintain regular payments in any structured debt relief program. Debt resolution is a milestone-based process: meaningful resolution activity follows a period of consistent funding, so evaluating for accounts with inconsistent deposits does not yield an operationally representative measure of program performance.<\/p>\n          <p>Clients who chose to leave the program early are not represented in these outcome metrics. Their outcomes would differ from those reported here. Scale metrics (debt resolved, clients served, creditor coverage) reflect the entire enrolled population, including those who left early.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"outcomes-reporting\">\n      <p class=\"outcomes-reporting__label\">Reporting period<\/p>\n      <p class=\"outcomes-reporting__text\">All outcome numbers in this report reflect the calendar year of 2025 unless otherwise noted.<\/p>\n    <\/div>\n\n    <div class=\"outcomes-stack outcomes-stack--24 outcomes-defs-card\">\n      <h3 class=\"outcomes-defs-card__title\">Key Definitions<\/h3>\n      <div class=\"outcomes-defs\">\n        <div class=\"outcomes-defs__col\">\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Accounts resolved \/ resolved debt<\/p><p class=\"outcomes-def__desc\">An account or debt being resolved means a resolution offer was negotiated with the creditor, accepted by the client and a first payment to the creditor was made.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Active clients<\/p><p class=\"outcomes-def__desc\">Clients who have enrolled and have not terminated or graduated.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Customer satisfaction (CSAT)<\/p><p class=\"outcomes-def__desc\">CSAT, or customer satisfaction score, is a commonly used metric that indicates how satisfied customers are with a company\u2019s products or services. It\u2019s measured through customer feedback and expressed as a percentage. (Number of satisfied customers (4 and 5) \/ Number of survey responses) x 100 = % of satisfied customers.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">First-offer timing (70% \/ 92%)<\/p><p class=\"outcomes-def__desc\">Share of engaged program participants receiving a first resolution offer within three and six months of enrollment.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Monthly cash-flow relief ($3.5 billion \/ ~$608 avg, 2025)<\/p><p class=\"outcomes-def__desc\">Active customers x (last actual monthly payments to each creditor &#8211; program deposit), aggregated across 2025.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Monthly savings: program deposits vs. minimum payments<\/p><p class=\"outcomes-def__desc\">Simulated creditor minimum payments at the time of enrollment minus the client\u2019s monthly Beyond Finance program deposit.<\/p><\/div>\n        <\/div>\n        <div class=\"outcomes-defs__col\">\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Monthly savings: program deposits vs. what clients were paying<\/p><p class=\"outcomes-def__desc\">Client\u2019s last actual monthly payments to each creditor before enrollment minus the client\u2019s monthly Beyond Finance program deposits.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Outstanding balance<\/p><p class=\"outcomes-def__desc\">Creditor\u2019s balance at time of negotiation.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Program deposits<\/p><p class=\"outcomes-def__desc\">Total funds a client deposits into their FDIC-insured bank account on a monthly basis.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Program fees<\/p><p class=\"outcomes-def__desc\">Fees paid to Beyond Finance to resolve clients\u2019 debt.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Program payments<\/p><p class=\"outcomes-def__desc\">Funds used to cover creditors payments on resolved debts and program fees.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Total program savings<\/p><p class=\"outcomes-def__desc\">The difference between total program payments and what a client would otherwise have paid or owed, measured against one of a number of baselines: the cost of continuing minimum payments over time, the client\u2019s total outstanding balance, or the cost of an alternative debt-relief method.<\/p><\/div>\n          <div class=\"outcomes-def\"><p class=\"outcomes-def__term\">Total saved after fees ($1.17 billion, 2025)<\/p><p class=\"outcomes-def__desc\">Sum of clients\u2019 (Outstanding balances &#8211; negotiated amounts &#8211; program fees) across 2025 resolved debts.<\/p><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tint outcomes-bleed\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--24\">\n\n    <h2 class=\"outcomes-h2\" id=\"final-word\">A Final Word from the EVP,<br><span class=\"outcomes-h2__accent\">Client Success Officer<\/span><\/h2>\n\n    <div class=\"outcomes-prose outcomes-prose--quote\">\n      <p>Numbers like the ones in this report don\u2019t happen by accident. They\u2019re the result of an organization-wide commitment \u2014 across every team, every conversation, every touchpoint \u2014 to treat clients not as accounts to be managed, but as people whose lives we have a real chance to change.<\/p>\n      <p>These numbers represent the many people who trusted us during one of the most stressful periods of their financial lives. That trust is earned through the hard work and dedication of our entire organization \u2014 from the team members who negotiate on behalf of clients, to the ones who show up with patience and expertise at every step of the client\u2019s journey. Every function, every role, every decision is oriented around the same goal: delivering real results while making sure clients feel understood, supported, and in good hands through the entire process.<\/p>\n      <p>When I read a review from a client who says they can finally \u201cbreathe again\u201d \u2014 that the weight has lifted, that they can see a path forward \u2014 that\u2019s the outcome that matters most. Not just a percentage or a chart, but what it actually means for someone\u2019s life: the family that can finally plan a vacation, save for college, or just breathe easier at the end of the month. The goal was never just to resolve debt. It was to give people their future back.<\/p>\n      <p>At Beyond Finance, we believe that people deserve more than a transaction \u2014 they deserve a whole team behind them that delivers results, leads with empathy, and stands firmly in their corner every step of the way. This report reflects that commitment. And the people behind these numbers are what keep us motivated to keep raising the bar.<\/p>\n    <\/div>\n\n    <div class=\"outcomes-byline\">\n      <img loading=\"lazy\" decoding=\"async\" class=\"outcomes-byline__photo\" src=\"https:\/\/www.beyondfinance.com\/newsroom\/wp-content\/uploads\/evp_vanessa-hering.jpg\" alt=\"Vanessa Hering\" width=\"133\" height=\"133\">\n      <div class=\"outcomes-byline__text\">\n        <p class=\"outcomes-byline__name\">Vanessa Hering<\/p>\n        <div>\n          <p class=\"outcomes-byline__role\">Executive Vice President &amp; Client Success Officer<\/p>\n          <p class=\"outcomes-byline__role\">Beyond Finance<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--24\">\n\n    <h2 class=\"outcomes-h2\" id=\"sources\">Sources<\/h2>\n\n    <div class=\"outcomes-sources\">\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Federal Reserve Bank of New York<\/p>\n        <p class=\"outcomes-source__desc\">Quarterly Report on Household Debt and Credit (Q1 2026).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.newyorkfed.org\/microeconomics\/hhdc\" target=\"_blank\" rel=\"noopener\">newyorkfed.org\/microeconomics\/hhdc<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">WalletHub<\/p>\n        <p class=\"outcomes-source__desc\">Credit Card Landscape Report.<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/wallethub.com\/edu\/cc\/credit-card-landscape-report\/24927\" target=\"_blank\" rel=\"noopener\">wallethub.com\/edu\/cc\/credit-card-landscape-report\/24927<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Federal Reserve<\/p>\n        <p class=\"outcomes-source__desc\">G.19 Consumer Credit (credit card APR).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.federalreserve.gov\/releases\/g19\/current\" target=\"_blank\" rel=\"noopener\">federalreserve.gov\/releases\/g19\/current<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Brookings Institution<\/p>\n        <p class=\"outcomes-source__desc\">Revolving Debt\u2019s Challenge to Financial Health (2022).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.brookings.edu\/articles\/revolving-debts-challenge-to-financial-health-and-one-way-to-help-consumers-pay-it-off\" target=\"_blank\" rel=\"noopener\">brookings.edu\/articles\/revolving-debts-challenge-to-financial-health<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Consumer Financial Protection Bureau<\/p>\n        <p class=\"outcomes-source__desc\">The Consumer Credit Card Market 2025 (CARD Act Report).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.consumerfinance.gov\/data-research\/research-reports\/the-consumer-credit-card-market-2025\" target=\"_blank\" rel=\"noopener\">consumerfinance.gov\/data-research\/research-reports\/the-consumer-credit-card-market-2025<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">CFPB Truth in Lending Act<\/p>\n        <p class=\"outcomes-source__desc\">Regulation Z (amended 2026).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1026\" target=\"_blank\" rel=\"noopener\">consumerfinance.gov\/rules-policy\/regulations\/1026<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">NerdWallet<\/p>\n        <p class=\"outcomes-source__desc\">2025 American Household Credit Card Debt Study.<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.nerdwallet.com\/credit-cards\/studies\/household-debt-study\" target=\"_blank\" rel=\"noopener\">nerdwallet.com\/credit-cards\/studies\/household-debt-study<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">ACDR (Association for Consumer Debt Relief)<\/p>\n        <p class=\"outcomes-source__desc\">\u201cDebt Relief 101\u201d (accessed July 2026).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/acdr.org\/debt-relief-101\" target=\"_blank\" rel=\"noopener\">acdr.org\/debt-relief-101<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Bankrate<\/p>\n        <p class=\"outcomes-source__desc\">2026 Credit Card Debt Report.<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.bankrate.com\/credit-cards\/news\/credit-card-debt-report\" target=\"_blank\" rel=\"noopener\">bankrate.com\/credit-cards\/news\/credit-card-debt-report<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">NFCC<\/p>\n        <p class=\"outcomes-source__desc\">Debt Management Plans.<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.nfcc.org\/resources\/debt-management-plans\" target=\"_blank\" rel=\"noopener\">nfcc.org\/resources\/debt-management-plans<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">TransUnion<\/p>\n        <p class=\"outcomes-source__desc\">U.S. Consumer Credit Market.<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/newsroom.transunion.com\/kshaped-q1-2026-ciir\" target=\"_blank\" rel=\"noopener\">newsroom.transunion.com\/kshaped-q1-2026-ciir<\/a>\n      <\/div>\n      <div class=\"outcomes-source\">\n        <p class=\"outcomes-source__name\">Beyond Finance<\/p>\n        <p class=\"outcomes-source__desc\">\u201cDrowning in Place: The Self-Reinforcing Cycle of Credit Card Debt\u201d (June 2026). Outcome data and client enrollment data, 2025 (internal).<\/p>\n        <a class=\"outcomes-source__link\" href=\"https:\/\/www.beyondfinance.com\" target=\"_blank\" rel=\"noopener\">BeyondFinance.com<\/a>\n      <\/div>\n    <\/div>\n\n    <p class=\"outcomes-disclaimer\">The results presented in this report reflect historical outcomes for clients enrolled in Beyond Finance\u2019s program during 2025, unless otherwise stated. They are not a guarantee, promise, or prediction of results for any individual customer. Individual results may vary.<\/p>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-section outcomes-section--tint outcomes-bleed\">\n  <div class=\"outcomes-w-md outcomes-stack outcomes-stack--24\">\n\n    <h2 class=\"outcomes-h2\">Figure Glossary<\/h2>\n\n    <div class=\"outcomes-glossary\">\n      <div class=\"outcomes-glossary__col\">\n        <p class=\"outcomes-glossary__group\">Summary of Key Outcomes<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 1<\/p>\n          <p class=\"outcomes-glossary__title\">Summary of Beyond Finance client outcomes, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Headline savings, speed, and service results for the 2025 program year.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">Who We Serve<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 2<\/p>\n          <p class=\"outcomes-glossary__title\">U.S. household debt, Q1 2026<\/p>\n          <p class=\"outcomes-glossary__desc\">Federal Reserve and consumer-survey measures of household debt.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 3<\/p>\n          <p class=\"outcomes-glossary__title\">Beyond Finance typical client profile at enrollment<\/p>\n          <p class=\"outcomes-glossary__desc\">Credit profile, enrolled debt, and budget position of newly enrolled clients.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">Client Savings \u2014 Beyond Finance vs. Industry Savings<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 4<\/p>\n          <p class=\"outcomes-glossary__title\">Beyond Finance vs. all ACDR-accredited providers: client savings from resolved debt, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Beyond Finance\u2019s 2025 client savings from resolved debt (including fees) compared with the industrywide total 2025 savings from resolved debt ACDR attributes to its accredited members.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">Client Savings \u2014 Monthly Savings<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 5<\/p>\n          <p class=\"outcomes-glossary__title\">Monthly savings: program deposit vs. minimum payments, 2025 (median and average)<\/p>\n          <p class=\"outcomes-glossary__desc\">What a typical client would owe on credit-card minimums, the program deposit with Beyond Finance, and the resulting monthly savings.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 6<\/p>\n          <p class=\"outcomes-glossary__title\">Monthly savings: program deposits vs. minimum payments, by debt balance, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Median and average monthly savings by enrolled-balance debt, calculated by subtracting program deposit from the modeled credit-card minimum.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 7<\/p>\n          <p class=\"outcomes-glossary__title\">Monthly savings: program deposit vs. creditor payments, 2025 (median and average)<\/p>\n          <p class=\"outcomes-glossary__desc\">What a typical client was paying their creditors monthly before enrolling, compared against the program deposit with Beyond Finance, and the resulting monthly savings.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 8<\/p>\n          <p class=\"outcomes-glossary__title\">Monthly savings: program deposits vs. what clients were paying to their creditors, by debt balance, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Median and average monthly savings, comparing program deposit against clients\u2019 actual last payments to each creditor before enrolling.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"outcomes-glossary__col\">\n        <p class=\"outcomes-glossary__group\">Client Savings \u2014 Savings Across Resolved Accounts<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 9<\/p>\n          <p class=\"outcomes-glossary__title\">Average Savings Across Resolved Accounts, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Average savings based on the difference between the creditor balance at the time of negotiation and what clients actually paid to resolve that debt, before and after fees.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">Client Savings \u2014 Total Program Savings<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 10<\/p>\n          <p class=\"outcomes-glossary__title\">Program savings: program vs. the minimum-payment path, by debt balance, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">How much clients save, calculated by comparing total program payments with the cost of repaying the same debt through minimum payments.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 11<\/p>\n          <p class=\"outcomes-glossary__title\">Program savings: program vs. outstanding balance, by debt balance, 2025 (average and median dollars)<\/p>\n          <p class=\"outcomes-glossary__desc\">Total dollars saved across the program based on comparing total program payments and outstanding balances at the time of each negotiation.<\/p>\n        <\/div>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 12<\/p>\n          <p class=\"outcomes-glossary__title\">Beyond Finance vs. the alternatives: total paid and timeline<\/p>\n          <p class=\"outcomes-glossary__desc\">Total amount paid and time to complete payoff for Beyond Finance\u2019s debt resolution program, a credit-counseling DMP, and minimum payments.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">An Established Track Record<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 13<\/p>\n          <p class=\"outcomes-glossary__title\">Negotiations reached and creditor outcomes, 2025 and all-time<\/p>\n          <p class=\"outcomes-glossary__desc\">Accounts resolved and distinct creditors and debt buyers engaged.<\/p>\n        <\/div>\n        <p class=\"outcomes-glossary__group\">Client Success &amp; Trust<\/p>\n        <div class=\"outcomes-glossary__item\">\n          <p class=\"outcomes-glossary__label\">Figure 14<\/p>\n          <p class=\"outcomes-glossary__title\">Customer service and trust metrics, 2025<\/p>\n          <p class=\"outcomes-glossary__desc\">Service availability, U.S.-based call handling, training, response speed, and platform ratings.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"outcomes-cta outcomes-bleed\">\n  <p class=\"outcomes-cta__heading\">Why wait?<br>Get a FREE evaluation today.<\/p>\n  <a class=\"outcomes-cta__btn\" href=\"\/free_evaluation\">Start my free evaluation<\/a>\n  <p class=\"outcomes-cta__phone\">Call our team at <a href=\"tel:8004954069\">800-495-4069<\/a><\/p>\n<\/section>\n\n<\/div>\n\n<script>\n(function () {\n  var root = document.querySelector('[data-bf-toc]');\n  if (!root) return;\n  if (root.dataset.bfReady) return;\n  root.dataset.bfReady = '1';\n\n  var panel = root.querySelector('.bf-toc__panel');\n  var hero = document.querySelector('.outcomes-hero');\n  var stopAt = document.querySelector('.outcomes-cta');\n  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