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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

Close-up of a student’s hands typing on a silver laptop keyboard next to textbooks and glasses. This image visualizes the urgency and focus required when applying for mid-year student loans or an Education Line of Credit to cover unexpected college expenses like housing or course fees after the semester has already begun. Source: The College Investor
December 20, 2025

How To Borrow Student Loans For College Mid-Year

Need a student loan mid-year? See why an Education Line of Credit offers faster access and fewer applications.

Private Student Loans For College
December 20, 2025

How Do Private Student Loans Work?

Considering a private loan? Before you sign, here’s everything you need to know about how private student loans for college work.

The iconic Geisel Library at the University of California San Diego stands majestically against a bright blue sky, its unique brutalist architecture resembling hands holding up a stack of books. This striking eight-story concrete and glass structure, with its geometric patterns and expansive windows reflecting the surroundings, is framed by lush green landscaping and pathways, hinting at the vibrant campus environment. The image visually anchors the article discussing concerns about UCSD freshmen's declining math skills and the university's response with remedial courses, raising questions about admissions practices, test-optional policies, and grade inflation amidst record demand for college admissions.
December 19, 2025

High GPAs And Test Optional Mask Poor Math Skills At College

UCSD’s new report reveals a sharp rise in freshmen needing remedial math, raising concerns about admissions, grade inflation, and student readiness.

Capitol building in Washington. The United States Senate and House of Representatives. Source: The College Investor
December 19, 2025

This Week In College And Money News: December 19, 2025

Congress introduces new college aid bills, nursing loan rules face pushback, and student loan backlogs remain high.

A judge in black robes listens intently to two attorneys arguing their case in a wood-paneled courtroom. This legal setting illustrates the professional sectors—specifically law, medicine, and dentistry—most impacted by the new 2026 federal student loan caps, which limit annual borrowing to $50,000 for professional degrees. Source: The College Investor
December 19, 2025

Professional Student Loan Caps Explained for 2026

New federal law caps professional student loans starting in 2026. Learn how the limits affect law, medical, and dental students.

Person's feet in yellow boots standing at a bright yellow line painted across gray cobblestones. This visual metaphor represents the critical threshold facing graduate students: the hard cutoff date of June 30, 2026, marking the end of the Grad PLUS loan program and the start of strict new federal borrowing caps. Source: The College Investor
December 18, 2025

Graduate Student Loan Limits for 2026: What Borrowers Need to Know

Grad PLUS loans are ending in 2026. Learn how new federal Direct Loan limits will affect graduate and professional students.

Stop Tax Offsets
December 17, 2025

Stopping Tax Offsets Due To Student Loan Debt

If you’re worried about the IRS taking your tax refund due to student loan debt default, here’s how you can challenge tax offsets.

A photo of a woman looking at her student loan statement and laptop and wondering why it says in default but that's not accurate. This ties into the article about incorrect default notices on StudentAid.gov
December 16, 2025

False Default Notices Reported by Student Loan Borrowers

Some student loan borrowers report incorrect default notices on StudentAid.gov after a website update. Here’s what to check and what to do next.

Secretary of Education Linda McMahon testifies before a House Committee on Appropriations subcommittee budget hearing on the US Department of Education on Capitol Hill, Wednesday, May 21, 2025, in Washington. (AP Photo/Rod Lamkey, Jr.)
December 15, 2025

Status Report: Student Loan IDR Backlog Still Near 800,000

New court filing shows IDR backlogs falling, but hundreds of thousands of borrowers are still waiting on student loan decisions.

A red brick University Hall at Ohio State University featuring a distinctive clock tower stands at the end of a tree-lined walkway under a clear blue sky. This classic collegiate setting illustrates the traditional "sticker price" perception of college, while the accompanying article explains how students can avoid paying full tuition through grants, community college transfers, and employer-paid programs.
December 15, 2025

How Students Can Avoid The Full Cost of College

Learn how scholarships, grants, community college, and earning credits in high school reduce college costs dramatically for families.

This image features a broken orange piggy bank, split down the middle but still connected by a thin, wavy line, against a light blue background. Above the piggy bank, bold red and blue text reads "BEST BANK ACCOUNTS TO GET YOUR TAX REFUND OR DIRECT DEPOSIT EARLY." A glowing yellow sun-like icon is positioned just above the piggy bank. On either side of the broken piggy bank, several white outlined icons are connected by dashed lines, representing different financial concepts relevant to early direct deposit services. These include icons for a house, cutlery, a t-shirt, and what appears to be a phone or wallet on the left, and icons for a check, a clock, a shopping cart, and a building on the right. This visual clearly illustrates the article's focus on bank accounts that allow early access to paychecks, tax refunds, or other ACH payments, emphasizing the idea of breaking traditional waiting periods for funds. Source: The College Investor
December 15, 2025

Best Bank Accounts For Early Direct Deposit In 2026

Looking to get paid early? These bank accounts offer early direct deposit in 2026 – access your paycheck or tax refund up to 2 days sooner.

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