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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

W2 vs. W4 | Source: The College Investor
October 14, 2025

What’s The Difference Between A W2 and W4?

Confused about the difference between a W2 and W4? This article will explain all the important contrasts.

A blurry, close-up shot of a group of professionals attending a training or briefing session in an office conference room, underscoring the article's focus on Training Repayment Agreement Provisions (TRAPs). In the foreground, a person's hand is visible, holding a black pen and writing notes on a document attached to a clipboard, emphasizing the active learning and contractual nature of job training. Other attendees are partially visible in the middle ground, also taking notes, with one individual in a light pink shirt and another in a brown top. In the background, out of focus, a presenter in a black shirt gestures towards a whiteboard, which has diagrams or notes written on it, symbolizing the "training costs" discussed in the article. The warm wooden conference table dominates the left side of the frame, grounding the professional setting. This image visually represents the formal training environments where TRAPs are often implemented, highlighting the contracts and agreements workers sign that can lead to significant debt if they leave their employment early. | Source: The College Investor
October 13, 2025

What Are TRAPs And Why States Are Banning Them

TRAPs tie workers to jobs through fake “training debts.” States like California are banning them.

Nurses and Healthcare Workers | Source: The College Investor
October 13, 2025

Student Loan Forgiveness For Nurses And Healthcare Workers

Here are some of the best options for student loan forgiveness for nurses and other healthcare workers.

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.)
October 11, 2025

Education Dept. Lays Off 20% Of Staff Amid Shutdown

The Education Department laid off 466 workers, nearly 20% of staff, amid the ongoing federal shutdown.

Life Insurance With Student Loan Debt
October 10, 2025

Life Insurance And FAFSA Rules Explained

Learn how life insurance affects FAFSA: what counts as income, what counts as assets, and how to protect your financial aid.

2018 Federal tax brackets
October 10, 2025

Federal Income Tax Brackets And IRS Tax Tables

Are you wondering what the Federal Tax Income Brackets are, and where you land on the IRS tax table? Here’s a chart and other things to keep in mind.

A sign that reads "Closed due to federal government shutdown," is seen outside of the National Gallery of Art on the 6th day of the government shutdown, in Washington, Monday, Oct. 6, 2025. (AP Photo/Jose Luis Magana)
October 9, 2025

Student Loans And Furloughs: What to Do Now

Furloughed federal workers can set student loan payments to $0 to protect PSLF progress during the government shutdown.

Marital Status For FAFSA | Source: The College Investor
October 9, 2025

FAFSA Marital Status Rules Explained

Learn how to report your marital status on the FAFSA, even after divorce or recent changes.

Close up of debt collector knocking on door. | Source: The College Investor
October 8, 2025

New Data: 5.4 Million Student Loan Borrowers Delinquent On Their Loans

TransUnion finds 5.4M student loan borrowers still 90+ days past due as affordability drives missed payments.

This graphic visually represents the core concept of VA education benefits and military financial assistance for college. The image features a prominent stack of five books, with the top three in a warm orange hue and the bottom two in white, symbolizing the educational resources and learning involved. Above the books, a dark circular icon displays a white graduation cap, clearly indicating academic achievement and higher education. To the right of the book stack, another dark circular icon contains a white dollar sign, emphasizing the financial aspect of these benefits and scholarships. The background is a clean white, adorned with abstract geometric shapes in matching dark gray and orange tones, including plus signs, circles, and dotted rectangles, which add a modern, dynamic feel to the illustration, reinforcing the opportunities and funds available for servicemembers, spouses, children, and veterans seeking to take advantage of these vital programs. Source: The College Investor
October 8, 2025

How Multiple Contractors Run Federal Student Aid Services

Explore the complex system of lenders, guaranty agencies, and BPOs under the Department of Education, and impact of federal staffing cuts on borrowers.

How To Cash Out A Life Insurance Policy | Source: The College Investor
October 8, 2025

How To Use A Gerber Life Insurance Policy To Pay For College

Can a Gerber Life policy fund college? Here’s how cash value works and what to consider before cashing out.

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