Financial professional Nefertari Ward is who our planners call with complicated questions about student loans. And with the changes enacted by the One Big Beautiful Bill, there are *a lot* of questions—and anxiety. In this episode, Nefertari and host Michael Liersch talk about how college became so expensive in the first place, and how to support a student financially without risking your own retirement.

Nefertari also has thoughts about the amount of responsibility a student should have for funding their education, how early to start saving (junior year of high school might be too late), the funding sources to exhaust before taking out loans, and the consequences of delaying repayment.