Debt Relief That Works and Wellness That Lasts
Beyond Finance consolidates your eligible debts into one lower monthly payment and works with your creditors to reduce what you owe. Clients typically resolve and pay off their enrolled debt in 24–48 months — regaining financial stability along the way, with free financial wellness tools to help it last.
- One monthly payment instead of juggling multiple creditors
- We work with your creditors to reduce your balances
- Clients are typically debt-free in 24 to 48 months
- Free financial wellness tools and support built into the program
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How the Beyond Finance Program Works
A debt relief program isn't a loan. Instead of borrowing more money to pay off what you owe, Beyond Finance works with your creditors to reduce your balances — so you pay less than the full amount and finish years sooner than you would making minimum payments.
Call or complete our online form. A Certified Debt Specialist reviews your income, expenses, and total unsecured debt, and walks you through the options available to you. It's free, there's no obligation, and checking your options won't affect your credit score.
If a debt relief program is the right fit, your specialist builds a plan around a single monthly payment you can realistically afford. Instead of paying multiple creditors directly, you make one monthly deposit into a Dedicated Account that you own and control.
As funds build in your Dedicated Account, our team works with your creditors to lower your balances and secure more manageable terms. When a creditor agrees to a Resolution Offer, you decide whether to accept it — nothing moves forward without your approval.
As each offer is accepted, the debt is paid from your Dedicated Account and resolved. Most clients who make consistent deposits see their first resolved debt within three months, and typically resolve and pay off their enrolled debt in 24 to 48 months.
What Progress Actually Looks Like
| Milestone | What our clients experienced |
|---|---|
| Immediate relief | Clients freed up an average of $608 a month compared with what they were paying their creditors before enrolling |
| First Resolution Offer | 70% of clients received one within 3 months |
| First year | Clients have an average of nearly four debts resolved |
| Full program | Clients typically resolve and pay off their enrolled debt in 24 to 48 months |
We Help With These Debts
| Type of Debts | Yes | No |
|---|---|---|
| Credit Cards | YES | |
| Personal Loans | YES | |
| Private Student Loans | YES | |
| Medical Bills | YES | |
| Lines of Credit | YES | |
| Debts in Collections | YES | |
| Federal Student Loans | NO | |
| Tax Debt | NO | |
| Auto Loans or Other Secured Debts | NO | |
| Mortgages | NO |
Save Time and Money Compared to the Alternatives
| Approach | Total repaid (% of balance) | Typical timeline |
|---|---|---|
| Beyond Finance debt relief program | ~75% after program fees | 24–48 months |
| Pay in full today (lump sum) | 100% (no fees or interest) | Immediate — requires full funds on hand |
| Credit counseling debt management plan | 110–130% | 48–60 months |
| Debt consolidation loan | 130–187% | 36–60 months |
| Minimum payments only | 190–340% | 17–29 years |
The Program Doesn't Stop at the Balance
Paying off debt fixes the number. It doesn't automatically change what made the debt hard to escape — which is why financial wellness is part of the program. The goal isn't just getting out of debt. It's financial sustainability: staying out, and finally being able to build instead of catch up.
What every client gets, at no cost:
A clinically-informed model developed by Dr. Erika Rasure, PhD, CFT™, built around five pillars of financial wellness. Includes a self-guided Assessment that shows where you stand and what to focus on first, and a five-module self-paced Curriculum on the behavioral and emotional work that makes saving, budgeting, and paying down debt stick.
Five weekly sessions led by certified financial therapists Dr. Rasure and Nathan Astle, CFT™.
A space for support and motivation from people on the same path.
Live chat available around the clock in the mobile app, plus phone and email support 365 days a year from humans trained under the guidance of AFCPE-trained leaders.
Budgeting & savings guides, educational articles, and tools for improving your relationship with money.
Benefits of Beyond Finance
Clients free up an average of $608 a month compared with what they were paying their creditors before enrolling. Measured against full credit card minimum payments,* the average monthly savings is $822.
Program fees are never charged upfront. They're success-based — we don't earn anything until we've secured a Resolution Offer you've approved and started making payments toward.
Minimum payments are a trap by design: often most of each payment goes to interest, so the balance barely moves. Paying that way can take decades and cost two to three times what you originally owed. Typical clients are debt-free in as little as 24 to 48 months.
Live chat is available 24/7 in the Beyond Finance mobile app. And when you call, you'll reach a U.S.-based employee — 365 days a year, usually in under two minutes. In 2025, that was true for 96% of callers.
We work for you, not your creditors. You approve every Resolution Offer before it moves forward. And if a graduation review shows you didn't pay less than you owed at enrollment, we'll refund the difference from our program fees. See the Beyond Finance Guarantee →
*The credit-card minimum is modeled as MAX($25 floor, 2% of balance + monthly interest at a 22% APR).
Frequently Asked Questions
What's the minimum debt I need to enroll?
Who controls the money in my Dedicated Account?
What if I need to change my monthly deposit?
When do I start paying fees?
Have More Questions?
Our FAQ page covers how debt relief works step by step, what it costs, how it compares to bankruptcy, what a Dedicated Account is, and how the Financial Wellness RESET™ Framework fits in.
Ready to Move Beyond Debt?
A free evaluation takes about a minute and won't affect your credit score. A Certified Debt Specialist will review your situation and explain your options, with no obligation.