Born in
Loysville, Pennsylvania on April 23, 1982, Loy was raised in
Perry County, Pennsylvania, where her parents owned and operated a dairy farm. She graduated from
West Perry High School in Elliottsburg, where she had been a standout member of the girls' field hockey team during the late 1990s, By the time she was a senior in 1999, she had played field hockey for six years and was a multi-sport athlete who also played on her high school's basketball and track teams. Loy was involved in community service efforts with the school's Peer Helpers group and was a member of the
National Honor Society. Following her high school graduation, she attended
Old Dominion University. She was awarded a full scholarship to the university. ==Career==