Beyond Finance

Beyond Finance: Debt Relief and Financial Wellness in the United States

Beyond Finance is a U.S. financial wellness and debt consolidation company that, according to its own presentation, has helped more than 1.3 million clients and resolved over $15 billion in debt over its history. The company states it has fifteen years of activity and a workforce of more than 2,200 U.S.-based employees. Its offering combines a structured debt reduction program with free financial education resources.

Debt Relief Program

The main program consists of a structured plan that consolidates eligible unsecured debts — balances not backed by collateral, such as credit cards, personal loans, and medical bills — into one lower monthly payment, with the goal of reducing the amount owed. The company indicates that most clients become debt-free within 24 to 48 months. It is designed for people whose minimum payments are already unaffordable.

The process is structured in three steps: a free evaluation with no impact on your credit score, in which a certified specialist reviews your income, expenses, and total unsecured debt; matching you with the most suitable option, with a personalized plan built around a realistic monthly payment and an estimate of savings and timeline before any commitment; and, once the client is enrolled in the program, making a single monthly deposit into a dedicated account instead of multiple minimum payments. The company's team negotiates with creditors to reduce balances and set payment plans.

Debt Consolidation Loans and Free Tools

In addition to the relief program, Beyond Finance evaluates and connects eligible clients with debt consolidation loan options when they fit their financial situation. This path is aimed at people with strong credit who are looking for one — potentially lower — monthly payment.

The company also offers free resources open to anyone, developed by certified financial therapists: budgeting and personal finance guides, educational articles, and the proprietary Financial Wellness RESET™ framework, along with an assessment and a self-paced curriculum. As a complement, it hosts five weekly live financial wellness sessions led by Dr. Erika Rasure, PhD, CFT™, and Nathan Astle, CFT™.

The Financial Wellness RESET™ Framework and Its Leaders

The Financial Wellness RESET™ framework is a clinically based model developed by Dr. Erika Rasure, which according to the company is the only financial wellness framework created by a professional with a doctorate in Personal Financial Planning and the Certified Financial Therapist™ designation. The model guides clients through five dimensions: Recenter, Examine, Simplify, Empower, and Transform.

Dr. Rasure is Beyond Finance's chief financial wellness advisor, a member of the Forbes Finance Council, the Investopedia financial review board, and chair of the research board of the Financial Therapy Clinical Institute. Nathan Astle, a certified financial therapist, specializes in the intersection of money and mental health; he is the founder of the Financial Therapy Clinical Institute, author of the "The Psychology of Debt" column in Psychology Today, and received the Outstanding Practitioner Award from the Financial Therapy Association in 2022. Both lead group sessions with enrolled clients and contribute to the company's financial wellness resources.

Mobile App and Program Access

Clients have 24/7 access to their program and live chat support through the Beyond Finance mobile app. The app allows you to approve offers and make decisions in real time, track your progress and results, access financial wellness tips and resources, and upload documents. The company presents it as the first mobile app in the debt relief industry. Its use is reserved for people currently enrolled in a Beyond Finance program.

Reported Results and Recognition

According to surveys answered by more than 10,000 program graduates, 92% said Beyond Finance made their payments more affordable, more than eight in ten would recommend the company to a friend, and graduates improved their self-reported financial habits by 42%, going from 5.7 to 8.1 out of 10. The company estimates the average savings on eligible debt payments at $608 per month.

The company has received recognition such as two Gold Stevie® Awards (Customer Service Department of the Year and Customer Service Innovation of the Year) at the 24th Annual American Business Awards (2026); Best for Customer Satisfaction according to CBS News MoneyWatch (2026) and CBS Bankrate (2026); inclusion among America's Best Online Platforms according to Newsweek (2026 and 2025); ranking as Forbes Advisor's Best Debt Relief & Settlement Companies; Best Debt Relief according to Money.com (2026); Financial Wellness Champion at the Banking Tech USA Awards (2025); Gold in Customer Service Department of the Year at the Best in Biz Awards (2025); and three Buyer's Choice Awards from ConsumerAffairs (2025). Its aggregate ratings include 4.6/5 with more than 13,000 reviews, 4.77/5 with more than 10,000 reviews, and 4.6/5 with more than 21,000 reviews.