# Caleb Nakamura, AFC® — Military & Veterans Editor | Fenix Loans > Caleb Nakamura is a USMC veteran, Naval Academy graduate, and AFC® with 7 years counseling servicemembers — leading Fenix Loans's military and MLA-compliance content. Источник: https://fenixloans.com/authors/caleb-nakamura/ --- # Caleb Nakamura, AFC® Caleb Nakamura is the Military & Veterans Affairs Editor at Fenix Loans. A USMC veteran and Naval Academy alumnus, he possesses the AFC® credential and contributes 7 years of expertise in providing financial-readiness guidance to military personnel and veterans — managing MLA-compliance evaluations and content. CN **Caleb Nakamura, AFC®** · USMC veteran 2008–2014 **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Caleb Nakamura is the Military & Veterans Editor at Fenix 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 his active-duty service, which concluded as a captain in 2014, Caleb obtained the Accredited Financial Counselor (AFC®) credential, focusing on military needs. She then worked for the Navy-Marine Corps Relief Society as a financial counselor. Over a four-year span, she managed budget analyses, interest-free loan evaluations, and pre-deployment financial workshops at bases on the East and West Coasts, providing assistance to over 900 households of service members and military spouses. From 2020 through 2024 Caleb 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. Caleb became a part of the Fenix Loans team in 2025. Her primary responsibility: ensuring every piece of content that addresses service members or veterans is precise, beneficial, and acknowledges the special financial demands of a military career — and confirming that no lender shown to a covered borrower goes beyond the MLA maximum. ## 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 Caleb Caleb 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? Plain-English Explainer](/learn/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/) - [Compare to Payday Loans](/payday-loan-alternatives/) - [All Loan Products](/money/) ##### By location - [All 50 States + DC](/state/) - [All Cities](/city/) - [Texas](/state/texas/) - [California](/state/california/) - [Florida](/state/florida/) - [Ohio](/state/ohio/) ##### Learn & tools - [What Is a Payday Loan?](/learn/what-is-a-payday-loan/) - [Payday vs Installment](/learn/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) Fenix Loans is owned and operated by Fenix Loans Labs, LLC. Fenix Loans is a lead-generation service, not a lender. We do not make credit decisions, do not lend money, and do not broker loans. Fenix 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. Fenix 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, Fenix Loans 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%; Fenix Loans 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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