# Victor Mensah, AFC® — Military & Veterans Editor | SB Loan > Victor Mensah is a USMC veteran, Texas A&M NROTC graduate, and AFC® with seven years counseling servicemembers — leading SB Loan's military and MLA-compliance content. Источник: https://sbloan.net/authors/victor-mensah/ --- # Victor Mensah, AFC® Military & Veterans Editor at SB Loan. A veteran of the Marine Corps and Texas A&M NROTC graduate, Mensah is an AFC® professional offering seven years of financial-readiness coaching for service members — managing MLA-aligned content for active-duty personnel and veterans. VM **Victor Mensah, AFC®** · USMC veteran 2008–2014 **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Victor Mensah is the Military & Veterans Editor at SB Loan, where he leads content for servicemembers, veterans, and military families and signs off on Military Lending Act (MLA) compliance across the site. He commissioned through the Naval ROTC unit at Texas A&M University and served as a United States Marine Corps logistics officer from 2008 to 2014. Following his active-duty service as a captain ending in 2014, Victor achieved the Accredited Financial Counselor (AFC®) credential with a military specialty and accepted a personal-financial-management advisor position with Marine Corps Community Services at Camp Lejeune, North Carolina. For over four years he conducted financial check-ups, emergency-assistance loan evaluations, and pre-deployment finance sessions for enlisted Marines and their families. Between 2020 and 2024 Victor served as a financial-readiness expert for a nationwide veterans-services nonprofit, providing on-base and remote guidance to active-duty, Guard, and Reserve personnel and their families. He delivered hundreds of MLA briefings — covering protected-borrower verifications, the 36% Military APR limit, plus the rent-a-bank and tribal-lender schemes that frequently target military families. Victor became part of SB Loan in 2025. His editorial principle is that any content reaching a service member or veteran is correct, truly helpful, and aware of the distinct financial stresses in military life — ensuring no lender presented to a protected borrower breaks the MLA cap. ## Credentials **Accredited Financial Counselor (AFC®) — military focus** AFCPE Accredited Financial Counselor (AFC®) · Active since 2015 **BS (Bachelor of Science)** Texas A&M University · 2008 **Military service** United States Marine Corps, 2008–2014 · Honorably discharged as Captain **Years of experience** 7 years with Marine Corps Community Services and a national veterans-services nonprofit ## Areas of expertise - **Military Lending Act compliance** — covered-borrower checks, MAPR calculation, safe harbor - **Marine Corps financial-readiness programs** — command financial specialists, emergency relief, on-base counseling - **Deployment & PCS finance** — SCRA protections, dual-income gaps, move-cost budgeting - **Veterans benefits** — VA education, VA home loans, disability compensation interactions - **Family-readiness counseling** — spousal employment, OCONUS finance, junior-enlisted budgeting ## Articles reviewed by Victor Victor authored or reviewed: - [15 Payday Loan Alternatives Ranked by Cost](/payday-loan-alternatives/) — military section - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) — MLA review - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state/texas/) — military bases - [What is a Payday Loan? 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SB Loan is a lead-generation service, not a lender. We do not make credit decisions, do not lend money, and do not broker loans. SB Loan 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. SB Loan 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, SB Loan shows lower-cost alternatives instead of a lender offer. See each [state guide](/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%; SB Loan screens MLA status at application and will not refer covered borrowers to lenders that would exceed the cap. Privacy practices: see our [Privacy Policy](/privacy/). 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