We may have been surprised to read the couple's official divorce announcement last week, but close friends were more surprised that it hadn't happened sooner.

"If there's any surprise, it's how long it took to happen," one pal told People.

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A Garner confidant revealed to People that Affleck recently came to Garner "and told her he had not been committed to the marriage within the past few years," heavily implying that he cheated — multiple times. "Jen is a fighter. She would not give up unless there was a good reason."

"She loved Ben," said another close friend. "But there comes a time when you have to say enough is enough and take care of yourself."

Another pal told Us Weekly that Affleck "admitted to cheating," but Affleck's camp insists, "Ben did not cheat on Jen."

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Either way, the end of her marriage is shattering for the actress. "She always fought against the urge to throw her hands up in the air and walk away," said the insider. "They've been on the brink of splitting up many times before, but it's Jennifer's worst nightmare for their children. Her biggest desire has always been to keep the family together."

These rumors just make that Fourth of July family vacation even more painfully awkward.

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