My name is Terryl Payne, I am the financial adviser and individual budget counselor of 15M Finance. I’m also a financial writer who has a passion for helping consumers make informed financial decisions. My dream is to grow financial literacy in the subprime community and help consumers to strengthen their long-term credit profiles. And I’m successfully moving towards the fulfillment of my dream by helping Americans at the decision point to pick a loan, providing guidance to the online loan application process.