How Loans Work: from college debt to buy now pay later an...

What this episode covers

From student loans to credit cards, car payments to “Pay in 4” buttons at checkout, borrowing money has never been more common or more complicated. In this episode of Merging Into Life, we break down the modern borrowing landscape: what to know before taking out a loan, how credit scores really work, and are newer forms of credit like Buy Now, Pay Later a blessing or a financial trap.Julien and Kiersten are joined by William Black, a former managing director at Moody’s and longtime credit expert, to demystify the loan process and explore how your borrowing decisions can impact your credit, your stress levels, and your overall financial wellness.Will's LinkedIn: @william-black-nyc

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Frequently Asked Questions

How long is this episode of Merging Into Life?

This episode is 19 minutes long.

When was this Merging Into Life episode published?

This episode was published on August 14, 2025.

What is this episode about?

From student loans to credit cards, car payments to “Pay in 4” buttons at checkout, borrowing money has never been more common or more complicated. In this episode of Merging Into Life, we break down the modern borrowing landscape: what to know...

Can I download this Merging Into Life episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.