Jason Alderman is Senior Director, Global Financial Education with Visa, Inc. Follow Jason Alderman on Twitter: http://twitter.com/PracticalMoney.

Matt Bell is the author of three personal finance books published by NavPress, including Money and Marriage. He leads workshops at churches and universities around the country, and serves as Associate Editor at Sound Mind Investing, America’s best-selling investment newsletter written from a biblical perspective.

Chris Birk is the director of content development for VA Loans Insider, a blog that offers tips and advice to military families on getting a VA mortgage. Connect with him on Google+.

Carla Blair-Gamblian is a credit expert, and featured author for Smart Military Money – a personal finance blog dedicated to the military lifestyle. Carla comes from a military family, and helps veterans and active service members develop plans to rein in their debt, repair their credit, and get on the path to loan prequalification. Follow Carla on Google+.

Jana Castanon is the Community Outreach Coordinator for Apprisen. Apprisen is a member of the National Foundation for Credit Counseling.

Kimberly Cole is Education Outreach Coordinator with Novadebt. Novadebt is a member of the National Foundation for Credit Counseling.

Shannon Doyle is a Certified Financial Counselor with LSS Financial Counseling. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Gail Cunningham is Vice President of Membership & Public Relations with the National Foundation for Credit Counseling.

Mark Foster is Director of Education with Credit Counseling of Arkansas (CCOA). CCOA is a member of the National Foundation for Credit Counseling.

Donna Freedman won regional and national prizes during an 18-year newspaper career and earned a college degree in midlife without taking out student loans. She now writes the Frugal Nation website for MSN Money, blogs at DonnaFreedman.com, and freelances for national magazines.

Morgan Gee is a Certified Credit Counselor with Chestnut Credit Counseling Services. Chestnut Credit Counseling Services is a member of the National Foundation for Credit Counseling.

Sara Gilbert is group manager for the Colorado branch of GreenPath Debt Solutions. GreenPath Debt Solutions is a member of the National Foundation for Credit Counseling.

Neale Godfrey is the New York Times #1 Best Selling author of 27 books, and financial literacy curricula for kids and parents. She created the topic of “kids and money” while President of The First Women’s Bank when she opened up The First Children’s Bank, and an Institute for Youth Entrepreneurship in Harlem in 1988.

Ashley Hagelin is a Certified Financial Counselor and Reverse Mortgage Specialist with LSS Financial Counseling. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Mary Hunt, founder and publisher of the popular consumer website Debt-Proof Living, is a bestselling author, syndicated newspaper columnist, and speaker on consumer finance topics. Her 20th book, 7 Money Rules for Life, was released in January 2012.

Malcolm Johannessen is a US Department of Housing & Urban Development (HUD) Certified Housing & Foreclosure Prevention Counselor with LSS Financial Counseling. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Stacy Johnson is a personal finance author, speaker, and television news personality. His Money Talks News series has aired for more than 20 years on dozens of network affiliates nationwide. In addition to MoneyTalksNews.com, his personal finance articles and videos appear regularly on MSN Money, Yahoo Finance, Readers Digest, The Christian Science Monitor, The Street.com and many others. Johnson has been awarded two Emmys and written three books, including Life or Debt, and Money Made Simple.

Drew Kessler is Vice President of Marketing & Communications with the National Foundation for Credit Counseling.

Mary McKeague is a Certified Credit Counselor and Certified Foreclosure Prevention Specialist with LSS Financial Counseling. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Barb Miller is a Certified Financial Counselor and Bankruptcy Specialist with LSS Financial Counseling. She specializes in blogging about bankruptcy, student loans, and financial education. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Melinda Opperman is Senior Vice President of Community Outreach & Industry Relations, Springboard Nonprofit Consumer Credit Management, Inc; and Executive Director, Springboard Education Foundation. Springboard Nonprofit Consumer Credit Management is a member of the National Foundation for Credit Counseling.

Sarah Clark Oster is the Director of Marketing and Education Outreach at Consumer Credit Counseling Service of the Tennessee River Valley, a non-profit organization committed to helping individuals resolve their financial difficulties. Consumer Credit Counseling Service of the Tennessee River Valley is a member of the National Foundation for Credit Counseling.

Sarah Packingham is a Debt Management Specialist with LSS Financial Counseling. LSS Financial Counseling is a member of the National Foundation for Credit Counseling.

Erica Sandberg is editor at large for Bankrate’s Credit Card Guide, columnist and features reporter for CreditCards.com, and the consumer protection spokeswoman for Western Union. She is a contributing personal finance writer for the San Francisco Chronicle’s online edition, and author of Expecting Money: The Essential Financial Plan for New and Growing Families. Prior to her work as a national money and credit expert and journalist, Erica was affiliated with Consumer Credit Counseling Service of San Francisco for 10 years.

Lauralynn Schueckler is the Online Marketing Specialist at Advantage Credit Counseling Service. She is the author for Advantage CCS’s Blog called Dollars & Sense. Advantage Credit Counseling Service is a member of the National Foundation for Credit Counseling.

Gary Silverman is the owner of Personal Money Planning, the retirement planning and investment management firm he founded over 15 years ago in Wichita Falls, Texas. He holds the Certified Financial Planner® designation, and earned his Financial Services MBA at the University of Dallas’ Graduate School of Management. Silverman has regular columns in the Times Record News and is the host of Money Cent$, a televised financial talk show. Silverman is a contributor to the Journal of Financial Planning, serves as a mentor for the Department of Labor Women’s Bureau Wi$e Up financial education project, and has taught a variety of finance and business courses at several universities.

John Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a contributor for the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, Ulzheimer is the only recognized credit expert who actually comes from the credit industry. Follow John Ulzheimer on Twitter: http://twitter.com/johnulzheimer.