# Nina Brennan, AFC® — Military & Veterans Editor | MeridianWallet > Nina Brennan is a USMC veteran, Naval Academy graduate, and AFC® with 7 years counseling servicemembers — leading MeridianWallet's military and MLA-compliance content. Источник: https://nimblepayday.com/authors/nina-brennan/ --- # Nina Brennan, AFC® Military & Veterans Editor at MeridianWallet. USMC veteran, Naval Academy graduate, and AFC® with 7 years of military financial-readiness counseling — leads MLA-compliance review and content for servicemembers and veterans. NB **Nina Brennan, AFC®** · USMC veteran 2008–2014 **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Nina Brennan is the Military & Veterans Editor at MeridianWallet, where she leads content for servicemembers, veterans, and military families and signs off on Military Lending Act (MLA) compliance across the site. She graduated from the United States Naval Academy and served as a United States Marine Corps officer from 2008 to 2014. After leaving active duty as a captain in 2014, Nina earned the Accredited Financial Counselor (AFC®) designation with a military focus and joined the Navy-Marine Corps Relief Society as a financial counselor. Over four years there she ran budget reviews, interest-free loan assessments, and deployment-finance briefings at installations on both coasts and counseled more than 900 servicemember and military-spouse households. From 2020 through 2024 Nina served as a Military OneSource personal-financial counselor, contracted through the Department of Defense to deliver on-base and telephone counseling to active-duty, Guard, and Reserve members worldwide. She delivered hundreds of MLA briefings — including covered-borrower mechanics, the 36% MAPR cap, and the practical traps service members fall into with rent-a-bank and tribal-evasion structures. Nina joined MeridianWallet in 2025. Her review focus: making sure every page that touches a service member or veteran is accurate, useful, and respects the unique financial pressures of military life — and that no lender presented to a covered borrower exceeds the MLA cap. ## Credentials **Accredited Financial Counselor (AFC®) — military focus** AFCPE Accredited Financial Counselor (AFC®) · Active since 2015 **BS (Bachelor of Science)** United States Naval Academy · 2008 **Military service** United States Marine Corps, 2008–2014 · Honorably discharged as Captain **Years of experience** 7 years at Navy-Marine Corps Relief Society and Military OneSource ## Areas of expertise - **Military Lending Act compliance** — covered-borrower checks, MAPR calculation, safe harbor - **Military relief societies** — Navy-Marine Corps Relief, Army Emergency Relief, Air Force Aid Society, Coast Guard Mutual Assistance - **Deployment finance** — SCRA protections, dual-income gaps, family-readiness budgeting - **Veterans benefits** — VA education, VA home loans, disability compensation interactions - **Military family-readiness counseling** — PCS budgeting, spousal employment, OCONUS finance ## Articles reviewed by Nina Nina authored or reviewed: - [15 Payday Loan Alternatives Ranked by Cost](/other-options/) — military section - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) — MLA review - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state-guides/texas/) — military bases - [What is a Payday Loan? Plain-English Explainer](/guides-center/what-is-a-payday-loan/) - [Online Payday Loans](/payday-loans-online/) - [Payday Loans Near Me](/payday-loans-near-me/) - [Same-Day Payday Loans](/same-day-payday-loans/) - [Installment Loans](/installment-loans/) - [Title Loans](/title-loans/) - [Cash Advance](/cash-advance/) - [Bad-Credit Loans](/bad-credit-loans/) - [Alternatives to Payday Loans](/other-options/) - [All Loan Products](/borrowing/) ##### By location - [All 50 States + DC](/state-guides/) - [All Cities](/near-you/) - [Texas](/state-guides/texas/) - [California](/state-guides/california/) - [Florida](/state-guides/florida/) - [Ohio](/state-guides/ohio/) ##### Learn & tools - [What Is a Payday Loan?](/guides-center/what-is-a-payday-loan/) - [Payday vs Installment](/guides-center/payday-vs-installment-vs-title/) - [Loan Cost Calculator](/tools/cost-calculator/) - [Eligibility Checker](/tools/state-eligibility-checker/) - [Scam Spotter](/tools/scam-spotter/) - [All Tools →](/tools/) - [If You Can’t Repay](/guides/what-if-you-cant-repay/) - [Borrower Stories](/stories/) ##### Company & legal - [Our Experts](/authors/) - [Editorial Policy](/editorial-policy/) - [Fact-Checking Policy](/fact-checking-policy/) - [Corrections](/corrections/) - [Ownership Disclosure](/ownership-disclosure/) - [Privacy Policy](/privacy/) - [Terms of Use](/terms/) - [All Pages (Sitemap)](/_sitemap.html) - [Do Not Sell or Share My Info](/privacy/#do-not-sell) MeridianWallet is owned and operated by MeridianWallet Group, LLC. MeridianWallet is a lead-generation service, not a lender. We do not make credit decisions, do not lend money, and do not broker loans. MeridianWallet matches applicants with state-licensed third-party lenders. APRs vary by lender, by state, and by product. You are not obligated to use any offer presented. MeridianWallet does not represent or guarantee that any specific applicant will be approved. We do not charge applicants any fee. Payday lending is restricted or prohibited in several states. Where a product is not legally available, MeridianWallet shows lower-cost alternatives instead of a lender offer. See each [state guide](/state-guides/) for the rules that apply to you. If you are a covered borrower under the federal Military Lending Act (10 U.S.C. § 987), federal law caps the Military APR on most consumer credit at 36%; MeridianWallet screens MLA status at application and will not refer covered borrowers to lenders that would exceed the cap. 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