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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 close-up, eye-level shot captures a silver-toned credit card with a microchip, resting on a dark, reflective surface that could be a smartphone or tablet, subtly mirroring the card's details. The card is angled slightly, with the numbers and a "THANKS" visible towards the top right, while the lower left displays the "thecollegeinvestor.com" watermark. In the soft-focus background, hints of a wooden surface, a pair of glasses, and another object suggest a desk or personal workspace. This image visually represents the concept of building credit and financial tools like the Self Visa Card, as discussed in the accompanying article on Self Financial and Credit Builder Accounts, emphasizing the tangible aspect of credit management for students and young adults.
November 25, 2021

Self Credit Builder Review: Build Your Credit

If you want to build credit without using a credit card, Self Financial can help. Learn how its Credit Builder Accounts work in our review.

An illustration shows a person in a purple shirt and dark pants watering small plants growing out of stacks of gold coins, symbolizing investment growth. The person holds a large orange watering can and tends to four plants, each progressively taller and sitting atop a larger stack of coins, depicting the accumulation of wealth over time. The background is a soft beige with stylized leaves, clouds, and sun icons, reinforcing a positive and nurturing environment for financial growth. In the bottom left corner, "THE COLLEGE INVESTOR" logo is prominently displayed. This image visually represents the concept of diligently nurturing investments, like a 401k plan, to achieve successful retirement and financial security, a key theme in the article about Guideline's low-cost 401k plans for small businesses.
November 23, 2021

Guideline 401k Review: Pros, Cons, And Alternatives

If you’re looking to start a 401k plan for your small business, Guideline has simple, low-cost options. Here’s what you should know about it.

A vibrant, low-polygon style illustration depicts a quintessential American farmland scene, directly correlating with the article's focus on farmland investing. In the foreground, a bright green tractor with large, yellow-rimmed wheels sits on a striped green field, suggesting agricultural activity. Behind it, a classic red barn with white trim and a grey roof stands prominently, flanked by two tall, light grey silos, emphasizing the real estate aspect of farmland. Several cows, depicted as light green silhouettes, graze peacefully in the fields, highlighting the agriculture exposure investors can gain. The background features rolling green hills and a light blue sky with fluffy white clouds, completing the idyllic rural setting. The "The College Investor" logo is visible in the bottom left, branding the image for an article about the unique tax considerations for farmland investors.
November 19, 2021

How Taxes Work When Investing In Farmland

Farmland investing taxes are typically paid on rental income earned from the farm and capital gains if it’s sold for a profit. Learn more.

KuCoin Review
November 18, 2021

KuCoin Review: Pros, Cons, And Alternatives

KuCoin is a robust crypto exchange that supports many currencies and countries. But it isn’t currently licensed to operate in the U.S.

This illustrative image visually represents the concept of 401k plans for small businesses, a central theme of the article reviewing Human Interest. The graphic features five stylized figures, presumably business owners or employees, interacting with various financial icons. A large blue clipboard prominently displays "401(K)," symbolizing the retirement plan itself. Surrounding it are smaller icons: a calendar, a calculator, a coin with a dollar sign, a bill with a dollar sign, a wallet with a dollar coin, and a chart illustrating financial growth. These elements collectively depict the administrative aspects, costs, savings, and investment potential associated with establishing and managing a 401k. The image reinforces the article's focus on how providers like Human Interest simplify the process of offering low-cost 401k plans to small and medium-sized businesses, addressing historical challenges and costs that made such plans prohibitive.
November 18, 2021

Human Interest 401(k) Review: Pros, Cons, And Alternatives

Human Interest is a low-cost 401k provider that caters to small and medium-sized businesses. Our review breaks down its features and fees.

A vibrant, illustrative graphic titled "THE COLLEGE INVESTOR" depicts elements representing the economic cycle and stock market trends, central to understanding cyclical and consumer discretionary stocks. The image features a prominent red arrow sharply ascending from the lower left towards the upper right, symbolizing growth and expansion in the economy. Beneath the arrow, a dynamic red line graph undulates across a blue chart, illustrating the "boom and bust" periods of the economic cycle, including troughs, expansion, peaks, and contraction. Various financial icons are scattered throughout, including golden coins stacked and singular, suggesting investment and monetary value, along with white and dark document icons with lines, possibly representing financial reports or data. This visual encapsulates the article's focus on how investing in cyclical stocks can take advantage of the economic cycle, particularly when consumers have discretionary income during periods of expansion.
November 17, 2021

What Are Cyclical And Consumer Discretionary Stocks?

Cyclical and consumer discretionary stocks perform best during economic expansions and worst during recessions. Learn how to invest in them.

A mom holder her daughter, which represents the need for life insurance, as discussed in this Ethos Life Insurance Review.
November 15, 2021

Ethos Life Review: Fast And Simple Life Insurance Policies

If you’re looking for a simple and affordable term life insurance option, this Ethos Life review is a must read!

An illustrative image, branded with "The College Investor" logo, depicts various elements of online banking and financial management against a deep blue background. Central to the image is a computer monitor displaying a classical bank building facade, symbolizing Huntington Bank's services. Around the monitor, a young man sits on top, working on a laptop, representing digital access. To the right, paper financial statements, a checked box icon, and a credit card emphasize transactions and approvals. Below the monitor, a piggy bank collects golden coins, and a woman stands observing, while a man on the right holds up a dollar sign shield, signifying financial protection and investment. Other elements include stacks of cash, a percentage sign, and a smartphone displaying a banking app with a "PAY" button, alluding to the convenience of mobile banking and the different account types offered by Huntington Bank, such as checking, savings, and money market accounts.
November 10, 2021

Huntington Bank Review: Pros, Cons, And Alternatives

If you’d like to have most of your financial services under one roof, take a look at this Huntington Bank review — lots to explore!

This detailed illustration, set against a clean white background with a subtle gray gradient at the bottom, depicts a stylized white rocket with golden fins and a yellow nose cone, symbolizing a startup or a growing company. A professional-looking woman in a white blouse and dark blue skirt, holding a briefcase, is placing a large golden coin with a dollar sign into an opening on the rocket, representing investment in early-stage companies through venture capital. Several other golden coins float around the rocket, signifying potential returns from these investments. Accompanying the scene are abstract purple and yellow foliage elements, adding a touch of growth and innovation, reinforcing the theme of investing in private companies before their initial public offering (IPO) and the potential for becoming a millionaire through smart venture capital strategies made more accessible by the JOBS Act.
November 10, 2021

What Is Venture Capital? (And How To Invest)

Venture Capital (VC) provides financing for private companies such as startups and small businesses. Learn how to invest in venture capital.

A close-up, fanned-out display of various U.S. dollar denominations, including one hundred, fifty, twenty, ten, and five-dollar bills, creates a compelling visual that immediately draws attention to the article's focus on personal finance and budgeting. The crisp, green and beige currency notes are neatly arranged, suggesting financial organization and the careful management of money, which directly ties into the purpose of the YNAB (You Need A Budget) app discussed in the article. This image reinforces the importance of understanding and allocating every dollar, a core principle of effective budgeting and a key benefit highlighted in the review of YNAB as a budgeting software tool. The prominent display of different denominations emphasizes the practical application of budgeting for various expenses and financial goals.
November 10, 2021

YNAB Budget App Review: Pros, Cons, And Comparisons

So, you need help budgeting? Looking for the right online software? YNAB (youneedabudget.com) could be the perfect choice!

Marcus by Goldman Sachs
November 3, 2021

Marcus Savings Account Review: High-Yield Savings

Looking to earn a better yield on your hard-earned savings? Marcus by Goldman Sachs provides top rates on online savings and CD accounts.

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