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Robert Farrington

Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page or on his personal site RobertFarrington.com.

He regularly writes about investing, student loan debt, and general personal finance topics geared toward anyone wanting to earn more, get out of debt, and start building wealth for the future.

He has been quoted in major publications, including the New York Times, Wall Street Journal, Washington Post, ABC, NBC, Today, and more. He is also a regular contributor to Forbes.

Robert’s latest articles

Rear view of a businesswoman in a white shirt looking up at a chalkboard with three large arrows pointing in different directions. This conceptual image illustrates the complex decision-making process parents face regarding student loans in 2026, as new federal limits on Parent PLUS loans force families to weigh federal versus private borrowing options. Source: The College Investor
February 8, 2026

Parent PLUS Student Loan Alternatives in 2026: Private vs. Federal

Parent PLUS caps arrive July 2026. Compare private loans and remaining federal options, with steps for families paying this year and next.

Common IRS Where’s My Refund Questions and Errors
February 8, 2026

Common IRS Where’s My Refund Questions and Errors

Our FAQ of the most common IRS Where’s My Refund Questions, Errors, Comments, Concerns, and more.

Close-up of a person’s hands typing on a modern keyboard next to financial documents and a cup of coffee. This image illustrates the process of managing tax information, specifically focusing on Form 1098-T, scholarships, and understanding the tax implications for students and families. Source: The College Investor
February 7, 2026

1098-T Explained: Scholarships, Taxes, and Credits

Learn how Form 1098-T works, when scholarships are taxable, and how families can maximize education tax credits.

Sunny view of a paved pathway leading toward the historic, castle-like red brick buildings of Yale University's campus. This image visually anchors the news of Yale raising its free-tuition income threshold to $200,000, highlighting the elite institution's efforts to expand affordability amidst rising costs. Source: The College Investor
February 6, 2026

This Week In College And Money News: February 6, 2026

Yale expands free tuition, FAFSA filings surge, universities tighten budgets, and new research questions who college aid really helps.

A close-up, slightly blurred image of a spinning top, illustrating the concept of a "spin off" in the financial market. The top has a bright orange and yellow central disc with concentric rings, suggesting rapid motion and energy. A metallic silver ring forms the outer edge, providing stability to the spinning object. The stem and tip of the top are a lighter yellow, pointing downwards, making contact with a subtly textured, light-colored surface. The blur effect emphasizes the dynamic nature of a spin off, where a piece of a parent company is disconnected and made public as its own entity, much like the individual components of the spinning top creating a single, fast-moving object. This visual metaphor directly relates to how companies like Kraft or Abbott Laboratories conduct spin offs, creating new shareholder value and streamlining operations.
February 6, 2026

6 Weird Stock Market Indicators That Sound Fake — But Investors Still Watch Them

From Super Bowl winners to lipstick sales, these weird stock market indicators have a surprising track record. Here’s what they really say about the market in 2026.

Close-up of a silver stopwatch held against a backdrop of stormy clouds and blue sky. The stopwatch hands are in sharp focus, symbolizing the urgency of the upcoming 2028 sunset date for the PAYE and ICR student loan repayment plans, while the turbulent sky represents the uncertain transition period borrowers face.
February 5, 2026

PAYE and ICR Are Ending: What Borrowers Should Do Before 2028

ICR and PAYE end in 2028. Learn how borrowers can prepare, compare IBR and RAP, and avoid repayment surprises.

Side view of a diverse line of college graduates in black caps and gowns shaking hands with an administrator and receiving their diplomas. This image represents the beginning of the post-graduation journey, where nearly one in three borrowers report that student loan debt is delaying major life milestones like homeownership and retirement savings. Source: The College Investor
February 4, 2026

Student Debt Is Shrinking Retirement Savings, Fidelity Research Shows

A new Fidelity survey shows student loans are delaying homeownership, increasing stress, and reducing retirement savings for millions of borrowers.

student discounts streaming services
February 4, 2026

Best Student Discounts And Deals To Use While In College

We’ve found the best student discounts for cell phones, music, streaming services, and more to save money in college.

Escape the student loan tax bomb | Source: The College Investor
February 3, 2026

Student Loan Tax Bomb Returning In 2026

Student loan forgiveness may be taxable starting in 2026. Learn about the student loan tax bomb, what counts, what doesn’t, and how much it will cost you.

A close-up, digital graphic from The College Investor visually explains an IRS cycle code. A large, teal magnifying glass in the center highlights the word "CYCLE" in a dark gray box, with the 8-digit code "20220905" displayed directly below it, also in a dark gray box. To the left, a partial list of text is visible, including bullet points such as "Tax return filed," "W-2 or 1099 withholding," "Credit to your account," "Earned income credit," and "Refund Issued," all in blue text. In the upper left, a light blue dollar sign icon is partially visible, indicating financial context. This image serves to illustrate what an IRS cycle code looks like and how it is formatted, helping taxpayers understand this crucial number on their tax transcript for tracking refunds and other IRS processing activities.
February 3, 2026

How To Read IRS Cycle Codes In 2026

IRS Cycle Codes are 8 digit numbers than can be translated into a date that you can use to understand when certain things are processed.

Close-up of a wooden hourglass with sand running out, sitting next to a white paper calendar on a dark surface. This image visualizes the urgency of the upcoming July 1, 2026, deadline for federal student loan borrowers—especially Parent PLUS holders—to consolidate their loans, or risk permanently losing access to income-driven repayment plans and forgiveness programs. Source: The College Investor
February 2, 2026

How To Consolidate Student Loans Before June 2026 Deadline

Some borrowers must consolidate federal student loans before June 30, 2026 to keep access to income-driven repayment and forgiveness programs.

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