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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

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.

Save Money In College
February 2, 2026

50 Ways To Save Money In College

Here’s our list of the 50 best ways that you can save money in college and live on a tight budget while still having fun!

Speaker of the House Mike Johnson, R-La., speaks during a news conference at the Capitol, May 6, 2025, in Washington. (AP Photo/Rod Lamkey, Jr., File)
January 31, 2026

Government Shutdown and Student Loans Explained (2026 Update)

Here’s what the government shutdown and your student loans will work, what you need to pay, and what assistance you can expect.

IRS Direct file
January 31, 2026

IRS Transcript Codes And WMR Reference Codes

Here’s what the IRS Where’s My Refund reference codes mean when checking WMR online, or calling the IRS, or using the Refund Status tool.

Should You Pay For Audit Protection For Your Taxes?
January 31, 2026

Should You Pay For Audit Protection For Your Taxes?

Could audit protection for your taxes really help you out? Find out what audit protection insurance actually covers and more.

Capitol building in Washington. The United States Senate and House of Representatives. Source: The College Investor
January 30, 2026

This Week In College And Money News: January 30, 2026

Pell Grants stay intact, tuition hikes loom, accreditation rules shift, and New York expands state aid.

A better investment strategy for 529 plans
January 30, 2026

College ROI Calculator (Return On Investment For Education)

Use our free College ROI Calculator to determine your estimated return on investment based on how much you spend on college.

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