Associate of Arts, Ocean County College, Toms River, New Jersey, 1982; Bachelor of Science, Rutgers University, 1985; Master of Business Administration, Rutgers University, 1988.
Account representative, Metropolitan Life, Somerset, New Jersey, since 1988.
Member National Association of Female Executives, National Association Life Underwriters.
Married Edwin Forrest Gardner, May 15, 1993. 1 child, Rachel Lynn.