# 3048: How Student Loans Work: Applying, Borrowing, and Paying Back by Robert Farrington of The College Investor on Student Financing

Page: https://stenobird.com/podcast/optimal-relationships-daily-dating-marriage-and-parenting-1054569/3048-how-student-loans-work-applying-borrowing-and-paying-back-by-robert-farrington-of-the-college-investor-on-student-financing
Text version: https://stenobird.com/podcast/optimal-relationships-daily-dating-marriage-and-parenting-1054569/3048-how-student-loans-work-applying-borrowing-and-paying-back-by-robert-farrington-of-the-college-investor-on-student-financing.md
Podcast: [Optimal Relationships Daily - Dating, Marriage and Parenting](https://stenobird.com/podcast/optimal-relationships-daily-dating-marriage-and-parenting-1054569)
Published: 2026-06-21T07:00:00+00:00
Episode link: https://traffic.megaphone.fm/OLD7890296023.mp3
Audio file: https://traffic.megaphone.fm/OLD7890296023.mp3
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Duration seconds: 720

## Resource

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3048: Robert Farrington breaks down the student loan process from application to repayment, helping students understand how to borrow responsibly and avoid unnecessary debt. By explaining the true costs of college, the risks tied to borrowing, and the repayment options available, he offers practical guidance for making smarter financial decisions. Read along with the original article(s) here: https://thecollegeinvestor.com/21917/how-student-loans-work/ Quotes to ponder: "Taking more loan money than what is needed will cost more in interest and increase your monthly loan payments." "Our key rule of thumb for how much you should borrow is simply to NEVER borrow more than you expect to earn in your first year after graduation." "If you don't repay a student loan, the government can garnish your wages, take your tax returns, and more." Episode references: Student Loan Planner: https://www.studentloanplanner.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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