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National Spokesperson

Joanne R. Kerstetter, Vice President of Education for Money Management International (MMI), brings more than 30 years of experience in the financial education and credit counseling industry. Kerstetter, also known as Jo, is an advocate for financial literacy and consumer issues. Jo spends a significant amount of her time on Capitol Hill supporting new legislation inspiring consumer protection. She chose to work in credit counseling and for MMI because she believes that informed consumers have a better chance of financial success.

Jo has had an active career within the credit counseling industry. After graduating from the University of Maryland with a Master’s of Science degree, she began her career as an intern for the National Foundation for Consumer Credit (now known as the National Foundation for Credit Counseling (NFCC). Shortly after her internship, she joined Consumer Credit Counseling Service (CCCS) of Greater Washington, Inc., and opened the agency’s second branch office. She was appointed president of the organization in 1980.

In addition to serving as president of CCCS of Greater Washington, she later led the Credit Counseling Network as Chief Executive Officer prior to joining MMI in 2005. During her tenure at MMI, her focus has been on enhancing the services offered to meet the changing needs of consumers, building a strong education program, and forging strategic partnerships with community organizations and employers.

As a result of Ms. Kerstetter’s vast work experience, she has become an accomplished expert on a vast variety of financial topics and currently serves as MMI’s national spokesperson. Jo offers advice through media interviews and speaking engagements while sharing her in-depth knowledge of topics such as the complete credit cycle from credit granting to collections, budgeting basics, credit scoring, home mortgages and the home buying process, basic investment strategies, consumer buying tips, debt reduction, bankruptcy, rebuilding credit, managing student loan debt, identity theft, and basic consumer rights.

Jo has also held offices and served on a committee for several national and regional consumer advocacy organizations, including the Employee Assistance Professionals Association; the International Credit Association; the Consumer Education and Information Association of Virginia; the Association of Financial counseling and Planning Education; the Society of Consumer Affairs Professionals in Business; and the Greater Washington Society of Association Executives.

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