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. The course provided financial guidance on topics including setting up a budget, managing auto loans and leases, avoiding credit card problems, how to deal with delinquent debts and rebuilding credit. (U.S. Air Force photo by Airman 1st Class Zachary Hada/Released)