# Our Authors & Reviewers | MeridianWallet

> Meet the credentialed authors and reviewers behind MeridianWallet content — AFC® counselors, a CFP®, a consumer-rights attorney, a licensed lender, and a USMC veteran.

Источник: https://nimblepayday.com/authors/

---
# Authors & Reviewers

Every MeridianWallet page is bylined by a credentialed author and signed off by a separate reviewer with a different qualification (AFC®, CFP®, JD, or NMLS-licensed lender). Credentials are independently verifiable; license and certification numbers are published on each author's page.

**Editorial board rule.** No author signs off on a page they wrote. Every money page and state hub carries two names: the author and the reviewer.

[SM**Carmen Schaefer, AFC®**Senior Financial EducatorAccredited Financial Counselor with 8 years in nonprofit credit counseling. Authors money pages; expertise in payday lending, debt management, and military finance.](/authors/carmen-schaefer/)

[JO**Naomi Schaefer, CFP®**Editorial ReviewerCFP® and former Reuters consumer-finance reporter. 18 years across journalism and fee-only planning. Lead reviewer for money pages and state hubs.](/authors/naomi-schaefer/)

[MR**Owen Vargas, JD**Consumer Law ReviewerStanford-trained consumer-rights attorney and CA Bar member. Ex-NCLC and Consumer Federation. Reviews TCPA, FDCPA, state lending law, CFPB, and MLA content.](/authors/owen-vargas/)

[DC**Naomi Ashby**Senior Personal Finance WriterColumbia-trained personal-finance journalist with 10 years at Bankrate and NerdWallet. Bad-credit lending, subprime products, EWA, and gig-economy finance.](/authors/naomi-ashby/)

[LT**Nina Brennan, AFC®**Military & Veterans EditorUSMC veteran, Naval Academy graduate, AFC® with military focus. 7 years at Navy-Marine Corps Relief Society and Military OneSource. MLA-compliance lead.](/authors/nina-brennan/)

[MJ**Owen Schaefer**Licensed Lender ReviewerNMLS-licensed lender with 15 years at a regional credit union. Adjunct lecturer at UT Arlington. Reviews underwriting, ATR, CSO/CAB rules, and fraud detection.](/authors/owen-schaefer/)

## How we build our editorial board

Every contributor must provide a verifiable credential — license number, certification ID, or institutional affiliation. Each signs MeridianWallet's editorial integrity agreement and discloses any financial relationship with lenders, lead generators, or debt-relief firms. Contributors with unresolved consumer-protection enforcement actions in any jurisdiction are not eligible.

For our full process see the [Editorial Policy](/editorial-policy/) and [Ownership Disclosure](/ownership-disclosure/).