K. A. Merkel holds a bachelor’s degree from the University of Northern Colorado and a master’s degree in Christian Education from Bethel Theological Seminary. She has written and t...view moreK. A. Merkel holds a bachelor’s degree from the University of Northern Colorado and a master’s degree in Christian Education from Bethel Theological Seminary. She has written and taught Bible studies for youth and adults. She has been employed in the financial industry for the past thirty-five years.view less