Lloyd was raised on the family farm near Lima, Ohio. He graduated from Lafayette--Jackson High School, received the Bachelor’s degree from Bluffton University, and a Master’s from Bowling Green State University.
He was an art teacher, middle school principal, and Curriculum Director for the Putnam County School System, retiring after thirty-seven years in education. His wife of sixty-two years, Marjorie (Yoakam) Harnishfeger taught public school music.Their daughter, Rebecca Casey, is Chairperson of the music department at Ohio Northern University. Her husband, Clay, teaches advanced sciences at Allen East High School, as well as adjunct courses at O.N.U. Their daughter is a student at Dartmouth.