Terry Mills, Consumer Credit Counseling Service education and community outreach manager, counsels Airmen during a financial aid course called “Credit When Credit is Due” conducted at the Airman and Family Readiness Center at Ellsworth Air Force Base, S.D., April 4, 2013. “Credit When Credit is Due” is a gateway financial seminar for anyone interested in learning more about saving, borrowing money, investing, creating a spending plan, and generally being financially responsible. (U.S. Air Force photo by Airman 1st Class Zachary Hada/Released)