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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

HAMILTON, NEW YORK: The James B Colgate admissions and administration building on the campus of Colgate University in the village of Hamilton in rural upstate New York. Photo by sgoodwin4813
October 31, 2025

This Week In College And Money News: October 31, 2025

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

A distinguished Black man in a tailored blue suit and white shirt, accented with a dark patterned tie, sits in a modern gray armchair against a textured concrete wall. He wears sophisticated gold-rimmed glasses and has neatly groomed gray hair and a beard. His expression is one of focused anticipation as he holds a stack of papers, seemingly reports or applications, in his hands, looking down. This image effectively illustrates the article's theme of "Waiting on a report" regarding the Public Service Loan Forgiveness (PSLF) Buyback backlog, reflecting the ongoing delays and the pause in monthly status reports due to the government shutdown, leaving over 74,000 pending applications in limbo for borrowers awaiting updates on their student loans.
October 31, 2025

When Will We Get The Next PSLF Buyback Backlog Report?

PSLF Buyback backlog reports are delayed as the shutdown stalls updates on 74,000 pending cases.

This illustrative graphic for "Firstrade Review" features a light blue background with a central circular interface overlaying various financial and trading icons, emphasizing the comprehensive nature of the Firstrade platform. At the top, a laptop displays charts and graphs, with the text "FIRSTRADE REVIEW" prominently displayed in white and red, signifying a detailed analysis of the brokerage. Below this, two money bags, one white with a green dollar sign and one green with a white dollar sign, are surrounded by gold coins, representing investment growth and wealth accumulation. Surrounding these are subtle upward-trending lines and data points, symbolizing positive market performance and options trading. The lower portion of the image includes icons such as a shopping cart, a global network symbol, and location pins, suggesting diverse investment opportunities and accessible online trading. There are also representations of a credit card and profile icons, indicating secure transactions and personalized account management. The overall visual communicates Firstrade's robust, fee-free options trading, stocks, ETFs, mutual funds, and fixed-income product offerings.
October 31, 2025

Firstrade Review: A Truly Fee-Free Options Trading Platform

Firstrade is a brokerage firm that offers commission-free trading including $0 per-trade and per-contract on options.

Education Secretary Linda McMahon speaks in the Oval Office of the White House before President Donald Trump signs an executive order regarding childhood cancer and the use of AI, Tuesday, Sept. 30, 2025, in Washington. (AP Photo/Alex Brandon)
October 30, 2025

Education Department Finalizes PSLF Rule Change

New PSLF rule set to go into effect bars organizations with “substantial illegal purpose” from qualifying for student loan forgiveness.

A stylized book cover titled is prominently displayed, featuring dark gray serif text against a light blue, hazy sky with white clouds. The image serves as a visual representation of the comprehensive guide mentioned in the article, emphasizing the available options for managing student loan repayment, such as deferments and forbearances, particularly for FFEL/Direct Stafford/PLUS loans and in-school deferments. This visual aid reinforces the article's focus on helping readers navigate their financial future by providing valuable assistance and preventing delinquency on lingering monthly payments.
October 30, 2025

How Student Loan Deferment Works and What’s Ending

Student loan deferments play an integral role in helping students get out of student loan debt. Here’s what you should know.

This image features a thoughtful young woman with shoulder-length brown hair, looking upwards and to the right, with a pensive expression. She holds a black pen to her chin, suggesting contemplation or deep thought. Behind her, several large, hand-drawn question marks in various shades of grey and black are scattered across a lighter grey background, emphasizing uncertainty and the need for answers. The visual directly relates to the article's focus on "What Is Student Loan Forbearance and Should You Consider It?", effectively illustrating the common dilemma and crucial decisions borrowers face when evaluating student loan forbearance, especially given "Big Changes Coming to Student Loan Forbearance" and new stricter limits for federal borrowers starting July 1, 2027.
October 29, 2025

Student Loan Forbearance Explained: How It Works

Learn how student loan forbearance works, when to use it, and how 2027’s new rules will restrict payment pauses for new borrowers.

How to be rich 10 rules to grow wealth
October 28, 2025

Rule of 72 Explained: This Chart Will Estimate How Fast Money Grows

The Rule of 72 for Investing is a great way to estimate the impact of inflation or to estimate the cost of fees associated with your brokerage account.

This abstract graphic visually represents the concept of Public Service Loan Forgiveness (PSLF) and student loan repayment. A prominent orange semi-circle forms the base, with a dark hand holding a rectangular banknote featuring a white dollar sign icon, symbolizing financial transactions and loan payments. Surrounding these central elements are various geometric shapes, including a grid of black dots, individual yellow dots, thin black lines, a black-and-white striped triangle, and a white plus sign, all against a clean white background. The image reinforces the article's focus on federal student loan forgiveness programs and the mechanics of making qualified payments over 10 years for those in public service jobs.
October 28, 2025

How To Qualify For Public Service Loan Forgiveness [Guide]

Have a question about the Public Service Loan Forgiveness (PSLF) Program? Start here with the ultimate guide! Find out which loans qualify.

Credit scores and credit card debt | Source: The College Investor
October 28, 2025

U.S. Credit Scores Steady As Delinquencies Rise

U.S. credit scores held steady at 701 as mortgage delinquencies rose in September 2025.

best budgeting apps
October 28, 2025

When To Shift From Budgeting To Net Worth Tracking

Learn when to move from budgeting to net worth tracking for long-term wealth.

Sallie Mae review
October 27, 2025

Sallie Mae Student Loans Review: Pros, Cons, & Alternatives

In this Sallie Mae review of their private student loans, you’ll discover some repayment options, rates, and more! Here’s the bottom line.

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