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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

A wide, eye-level shot on a bright, clear day shows the modern, light-gray building of California State University Dominguez Hills under a blue sky with scattered wispy clouds. The university's name, "CALIFORNIA STATE UNIVERSITY DOMINGUEZ HILLS," is prominently displayed in large, dark blue, sans-serif letters across the top facade of the building. Below the signage, multiple rows of tall, rectangular windows with dark frames and reflective blue glass are evenly spaced, creating a pattern across the building's surface. In the bottom right corner, the vibrant green foliage of a tree is partially visible, adding a touch of nature to the academic setting. This image visually represents one of the California State University (CSU) campuses, providing context for the article's discussion of the new California law, Senate Bill 640 (SB 640), which will implement the Direct Admission Program for qualified California high school seniors starting in 2027. The law aims to boost college enrollment and ease the application process for students.
October 18, 2025

New Law Simplifies CSU Direct Admission For Students

Starting in 2027, qualified California seniors will be automatically admitted to CSU campuses. Here’s who qualifies and how it works.

CAMBRIDGE, USA - The Harvard University in Cambridge, MA, USA | Source: The College Investor
October 17, 2025

This Week In College And Money News: October 17, 2025

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

A person with a blurred face and bald head extends their right hand towards the viewer, palm open and fingers spread, in a clear "stop" or "hold" gesture. This image effectively symbolizes the Department of Education's decision to allow existing federal student loan borrowers to retain their current fixed repayment plans—Standard, Extended, and Graduated—after July 1, 2026. The hand gesture visually represents the pause or exemption for these borrowers from the new "tiered standard" repayment plan being introduced by the "One Big, Beautiful Bill Act" for future student loan recipients.
October 17, 2025

Standard Plans Stay For Current Student Loan Borrowers

Borrowers can keep current repayment plans after 2026 if no new loans are taken.

Tax-loss harvesting
October 16, 2025

Tax Loss Harvesting: A Step-By-Step Guide

Tax-loss harvesting involves selling investments that are down in order to offset realized capital gains and lower your tax liability.

PSLF Buyback Tradeoff | Source: The College Investor
October 15, 2025

Is PSLF Buyback Worth It? What It Will Cost You

Learn how PSLF buyback works, how lump sums are calculated, and whether monthly IDR payments might be a smarter option.

Fafsa
October 15, 2025

FAFSA Income Limits For 2025-2026

There’s no FAFSA income cutoff to receive financial aid. Learn how income and family size affect aid eligibility under new SAI rules.

medical school admissions guide
October 14, 2025

PSLF For Medical Group Workers

Learn when medical group workers can get student loan forgiveness.

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.

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