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Nil Günsel Reşatoğlu was born in Nicosia on the island of Cyprus on the 7th of Mayıs, 1976. Her father is a mechanic and her mother is a housemaker. She received her primay education in her own town. In 1993, she graduated from Bayraktar Türk Maarif College. After graduating from the Busines Administration from the Near East University, she continued her education in England and obtained her Masters Degree in Finance from the Leicester University. Then, she returned to Cyprus and worked in the Near East Bank as branch manager for two years. She obtained her PhD in Finance in 2005 from the Leicester University.

Assist. Prof. Dr. Nil Günsel Reşatoğlu is currently the Head of the Banking and Finance Department in the Near East University, married and have one child.