# Bianca Donovan, AFC® — Military & Veterans Editor | Nimbus Loans > Bianca Donovan: USMC veteran, Naval Academy grad, and AFC® with 7 years guiding servicemembers. She directs Nimbus Loans military content and MLA-compliance review. Источник: https://nimbusloans.com/authors/bianca-donovan/ --- # Bianca Donovan, AFC® Military & Veterans Editor at Nimbus Loans. A former US Marine and graduate of the Naval Academy, she possesses the AFC® certification and offers 7 years of experience in financial-readiness guidance for military personnel and veterans — managing MLA-compliant material and its review process. BD **Bianca Donovan, AFC®** · USMC veteran 2008–2014 **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Bianca Donovan is the Military & Veterans Editor at Nimbus Loans, 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. Following her service as an active-duty captain that concluded in 2014, Bianca obtained the Accredited Financial Counselor (AFC®) credential with a specialization in military finances and became a financial counselor for the Navy-Marine Corps Relief Society. During a four-year period, she conducted budget analyses, assessed applications for zero-interest loans, and gave deployment-finance presentations at bases across the US, advising over 900 households of service members and their spouses. From 2020 through 2024 Bianca 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. Bianca became part of the Nimbus Loans team in 2025. Her primary review objective: ensuring every piece of content that reaches a service member or veteran is precise, beneficial, and acknowledges the distinct financial challenges of military service — and that any lender shown to a covered borrower stays within the MLA limit. ## 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 Bianca Bianca authored or reviewed: - [15 Payday Loan Alternatives Ranked by Cost](/alternatives/) — military section - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) — MLA review - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/by-state/texas/) — military bases - [What is a Payday Loan? Plain-English Explainer](/learning-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/) - [Other Options to Payday Loans](/alternatives/) - [All Loan Products](/loan-options/) ##### By location - [All 50 States + DC](/by-state/) - [All Cities](/locations/) - [Texas](/by-state/texas/) - [California](/by-state/california/) - [Florida](/by-state/florida/) - [Ohio](/by-state/ohio/) ##### Learn & tools - [What Is a Payday Loan?](/learning-center/what-is-a-payday-loan/) - [Payday vs Installment](/learning-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) Nimbus Loans is owned and operated by Nimbus Loans Research, LLC. Nimbus Loans is a lead-generation service, not a lender. We do not make credit decisions, do not lend money, and do not broker loans. Nimbus Loans 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. Nimbus Loans 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, Nimbus Loans shows lower-cost alternatives instead of a lender offer. See each [state guide](/by-state/) 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%; Nimbus Loans screens MLA status at application and will not refer covered borrowers to lenders that would exceed the cap. 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