Terry graduated from Jeff Davis High School and is an honor graduate of Georgia Southern College with a BBA in Accounting. She is a member of the Phi Kappa Phi, Beta Gamma Sigma, and Beta Alpha Psi societies. She has served on and as chairman of The Jeff Davis County Library Board of Trustees, The Satilla Regional Library Board and The Ohoopee Regional Library Board. She now serves on the Joint Development Authority, The Jeff Davis Board of Tourism, and The Hazlehurst-Jeff Davis Chamber of Commerce. She is a member of Oakland Baptist Church and is very involve in the community.