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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

College application checklist
November 23, 2025

PSLF Checklist: What Student Loan Borrowers Must Do

PSLF can wipe out student debt, but only if you follow every rule. Here’s how to avoid the most common mistakes borrowers make.

An illustration depicts a student, identified by a graduation cap, nearly stepping into a dark circular hole in the ground, symbolizing the pitfalls of disorganization in scholarship applications. Floating around him are financial documents resembling scholarship application forms, each marked with a dollar sign, and several individual dollar coin icons, representing the numerous scholarship opportunities available. An exclamation point in a thought bubble above the student's head conveys alarm and the urgent need to track applications, avoid missing deadlines, and stay organized to successfully navigate the complex process of securing financial aid for college. Source: The College Investor
November 22, 2025

How To Track And Organize Scholarship Applications

Learn how to track scholarship applications with tools that help families meet deadlines and stay organized.

A bright, sunny view captures two imposing traditional red-brick college dormitory buildings with distinctive clay-tiled roofs, set against a vibrant blue sky with scattered white clouds. The multi-story dormitories feature numerous windows and are nestled within a well-maintained campus landscape, complete with manicured green lawns that sweep across the foreground and extend between the buildings. Several mature deciduous trees with lush green foliage are interspersed throughout the scene, casting soft shadows. A paved pathway winds through the grass, leading towards the dorm entrances. This visual representation highlights typical on-campus housing facilities, emphasizing the "room and board" expense which is a significant, and often overlooked, financial component of college costs that can even exceed tuition fees at many public universities. Source: The College Investor
November 22, 2025

The Hidden Expense Driving Up College Costs: Room And Board

Room and board expenses make up most college costs at many schools. Learn what this means for your family’s budget, and why it’s the real problem for college costs.

An abstract financial illustration features a prominent black bank icon with classical columns, positioned centrally on a mustard-yellow and white background. A white speech bubble containing a question mark floats above the bank, symbolizing the complex questions families face regarding college financing. To the left, a white dollar sign inside a rounded white square hovers over a black graduation cap, representing student loan options and costs. The background is adorned with various geometric patterns, including black and white dots, thin black lines, a hollow circle, and a triangle, adding to the dynamic and modern feel of the image. This visual metaphor highlights the challenges and choices involved in navigating the seven different types of student loans and financing alternatives available for college and graduate school, as discussed in the article. Source: The College Investor
November 22, 2025

7 Types Of Student Loans And Alternatives

Federal loans, private loans, HELOCs and more: make sure you understand the types of student loans before borrowing for school.

A long shot captures the James B. Colgate admissions and administration building on the campus of Colgate University under a cloudy sky. The historic brick building features arched windows and a large central arched entrance, surrounded by well-maintained green lawns and mature trees, including a prominent American flag flying from a pole in the foreground. A winding paved path leads towards the building, with a yellow fire hydrant visible on the left. The image highlights the beautiful and established campus environment of Colgate University, directly relating to the article's headline about the university expanding its free-tuition financial aid program, the Colgate Commitment initiative, for families earning up to $175,000 annually. Photo by sainaniritu
November 21, 2025

This Week In College And Money News: November 21, 2025

The latest updates on higher education, personal finance, financial aid, and student loans impacting students on college campuses nationwide.

An overhead shot captures a person's hands holding a silver pen over a printed calendar page, likely marking or planning for the upcoming July 1, 2026 deadline. The calendar, displaying the days of a month, rests on a warm, dark wooden desk. To the right, a silver laptop with a visible keyboard and touchpad is open, suggesting a work or research environment. Various office supplies are scattered around the desk, including a white pen holder with a dark pen, a small pile of colorful binder clips, a multi-colored rubber band ball, and a white oval dish filled with paper clips. This detailed scene visually represents the meticulous planning and organization required as individuals and families prepare for the significant federal policy changes impacting student loan caps and repayment options beginning in 2026. Source: The College Investor
November 21, 2025

What’s Changing For Student Loans In 2026?

Major changes hit student loans in 2026, with new borrowing caps, fewer repayment options, and possible taxes on forgiven debt.

President Donald Trump, with his signature blonde hair, stands authoritatively at a dark podium adorned with the official Seal of the President of the United States. He is dressed in a smart black overcoat and a rich maroon scarf, speaking into a microphone positioned on the podium. Behind him, large American flags with prominent red and white stripes create a patriotic backdrop, flanked by golden eagle finials atop flagpoles. This image visually represents the executive branch's influence, illustrating the context of the article discussing the Trump administration's efforts to block the Consumer Financial Protection Bureau (CFPB) from accessing Federal Reserve funds, a move that could deplete the agency's budget by early 2026 and potentially lead to its effective closure. (AP Photo/Evan Vucci)
November 20, 2025

Trump Administration Could Defund CFPB By 2026

The Trump administration says the CFPB’s funding is unavailable, leaving the consumer watchdog at risk of closure by early 2026.

This illustrative banner image for The College Investor website features a minimalist design with a light background and a large, curved yellow shape dominating the lower left. Various stylized representations of shopping bags are scattered across the composition, some filled in white or yellow, and others as outlines, subtly referencing saving and spending in a financial context. Triangular and plus sign shapes, along with a dotted grid pattern and circles containing the number "1," add visual interest and a sense of dynamic growth or transactions. In the upper left corner, the logo "THE COLLEGE INVESTOR" is prominently displayed with a graduation cap icon. The image visually supports content about the CIT Bank Platinum Savings account, hinting at the potential for financial growth and smart money management through savings, as detailed in the accompanying article. Source: The College Investor
November 20, 2025

CIT Bank Platinum Savings Review: Pros And Cons

CIT Bank Platinum Savings is a tiered interest rate savings account that offers 3.75% APY on balances over $5,000.

boost your credit score
November 20, 2025

12 Million Student Loan Borrowers Are At Risk Of Default

Federal loan data reveals widespread delinquency as borrowers struggle with repayment and collections resume.

This illustrative image, relevant to an article discussing Barclays Bank reviews and online savings accounts, depicts two hands holding a black tablet displaying a blue dollar sign icon, surrounded by a semi-circle of financial graphics. Clockwise from the top left, the icons include a blue piggy bank with a dollar sign, a red computer monitor showing a line graph, a blue wallet, a yellow gear with a dollar sign, a blue credit card, three interconnected yellow human figures representing banking customers, and a yellow hand with a dollar sign. A yellow stack of bills with a dollar sign sits to the left of the piggy bank. The "THE COLLEGE INVESTOR" logo is visible in the bottom left corner. This visual metaphor highlights the various digital banking products and services offered by institutions like Barclays, emphasizing online-only features such as high-yield savings accounts and CDs, as discussed in the accompanying article. Source: The College Investor
November 19, 2025

Barclays Bank Review: Pros, Cons, And Alternatives

If you’re looking for a good deal on savings accounts and/or CDs, come on over and read this Barclays Bank review. Here are the rates!

An abstract, graphic illustration on a white background depicts the complex issue of student loan oversight and forgiveness programs. In the foreground, a prominent black outline of an open hand reaches up from the bottom right, symbolizing receiving or giving financial aid. Above the hand, a large, stylized golden-yellow circle contains a white silhouette of a person's head and shoulders, representing a borrower or individual. Three smaller circular icons, two black and one golden-yellow, each with a white dollar sign, float near the person icon, visually illustrating student loan balances or payments. The background features various geometric shapes in golden-yellow and black, including a grid of dots, squares, and lines, conveying a sense of policy framework and financial intricacies surrounding federal student loans, Public Service Loan Forgiveness (PSLF), and employer eligibility rules. Source: The College Investor
November 19, 2025

Could Your Nonprofit Job Lose PSLF Status?

A new rule may disqualify public service employees from Public Service Loan Forgiveness (PSLF). Learn what you need to know to assess your risk.

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