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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

This image depicts a stylized illustration on a light blue background, visually representing the concept of passive income and high-yield online savings. A minimalist figure, rendered in black silhouette, is seated comfortably in an office chair with their feet propped up on a desk. On the desk, a laptop is open, suggesting online activity or banking. To the right of the figure, a large, dark blue wallet or ledger stands upright, overflowing with gold coins and paper money, symbolizing substantial savings and financial growth. Above the figure's head, more gold coins appear to be raining down, reinforcing the idea of money being accumulated effortlessly. The red text overlay, though partially obscured, includes words like "REVIEW:" and "POPULAR ONLINE SAVINGS," directly relating to the article's focus on Bread Savings (formerly Comenity Direct) and its high-yield online savings account and CD products. The overall image conveys financial freedom, smart banking choices, and the benefits of online savings accounts with competitive APY rates.
December 3, 2021

Bread Savings (Comenity Direct) Review: Pros And Cons

Bread Savings is an online bank that offers savings account and CD products that offer high yields and low fees.

An illustrative image on a gradient background from white to dark gray, featuring four ascending stacks of gold Bitcoin coins, symbolizing growth in cryptocurrency investing. A large, curving green arrow points upwards and to the right, sweeping beneath and past the coin stacks, reinforcing the concept of increasing value and positive returns. The smallest stack is in the foreground, with each subsequent stack becoming taller and appearing further back, visually representing progressive growth. In the bottom left corner, the white text "THE COLLEGE INVESTOR" is displayed, indicating the source or context of this financial education content. This image effectively visualizes the potential for earning interest and investment growth on cryptocurrency platforms like Crypto.com, which supports buying, selling, and staking digital assets.
December 2, 2021

Crypto.com Review: Trade, Earn Interest, And Pay With Crypto

Crypto.com is a cryptocurrency exchange that supports 90+ currencies, pays interest on crypto, and even offers a rewards card. Learn more!

A stylized image illustrating financial growth for small business owners, featuring a dark-skinned hand holding a tablet displaying a bar graph and line chart. The chart shows increasing bars for January, February, March, and April, with a yellow line trending upwards, indicating positive financial performance. A large, bright yellow arrow extends from the tablet, pointing towards the upper right, symbolizing significant business growth. To the left of the hand and tablet is a traditional abacus, representing foundational accounting, and behind it, a light blue grid paper with a yellow pencil, suggesting planning and record-keeping. To the right, a black calculator displays "123," denoting calculations and financial management. In the bottom left corner, "THE COLLEGE INVESTOR" is prominently displayed in white text. This image visually represents the integrated banking and accounting experience offered by Relay Financial, aiming to streamline financial management and enable growth for small businesses.
November 30, 2021

Relay Business Banking Review: Pros, Cons, And Alternatives

Relay Financial is a business banking platform that makes it easier to manage and automate your company’s finances. Learn how in our review.

A vibrant, illustrative image depicts three individuals interacting with a large, stylized representation of a digital survey or application, set against a light background. On the left, a woman with long dark hair, wearing a yellow top and green pants, stands and points towards a section of the digital interface displaying profile icons and a star rating system. In the center, a man in a blue shirt and dark pants stands contemplatively, with his arms crossed, looking at a checklist or questionnaire presented on the digital screen. To the right, another man, dressed in a pink shirt and blue pants, sits casually, holding a "Q&A" speech bubble, engaging with the survey. This image visually represents the concept of student loan borrowers interacting with surveys and information related to resuming monthly student loan payments, government pauses, and potential student loan forgiveness initiatives, as discussed in the accompanying article. The bottom left corner features "THE COLLEGE INVESTOR" logo in red and white.
November 29, 2021

Survey: Even With Higher Expenses, Most Student Loan Borrowers Are Ready To Resume Payments

Our latest survey shows that even with high monthly expenses, most student loan borrowers are ready to resume student loan repayment.

A vibrant, stylized illustration depicts a red rocket, featuring a prominent gold Bitcoin logo on its side, soaring through a dark purple night sky filled with scattered white stars. The rocket has a pointed white nose cone, white fins, and a dynamic yellow-orange exhaust plume streaming behind it, suggesting rapid ascent. In the upper right corner, a partial view of a bright yellow, textured moon or planet is visible, hinting at a celestial destination. The bottom left corner prominently displays the white text "THE COLLEGE INVESTOR," which is the brand associated with the article. This image visually represents the concept of investing in cryptocurrencies like Bitcoin through an IRA, conveying growth and the potential for financial gains in the digital asset market, as discussed in the accompanying Bitcoin IRA review.
November 28, 2021

Bitcoin IRA Review: Pros and Cons

Bitcoin IRA is a platform that offers 24/7 cryptocurrency trading inside an IRA with low investing minimums and robust custody insurance.

This vibrant, hand-drawn illustration depicts a collection of school-related items scattered across a light blue background, symbolizing various aspects of education and learning. Prominently featured are a yellow school bus, an open red textbook with "MATH" written on it, a green "LUNCH" box, a yellow backpack, a large yellow pencil, a globe, a yellow notebook labeled "NOTES," a calculator, and a red "A+" block. Other elements include a laptop showing a document, eyeglasses, and several small arrows and stars, with "THE COLLEGE INVESTOR" logo partially visible in the bottom left. The image contextually supports the article about Backer and 529 college savings plans by visually representing the educational journey and the financial preparations needed, emphasizing that the platform helps families save for college and other educational expenses, making it easier for friends and family to contribute to a child's future.
November 26, 2021

Backer Review: 529 Plans The Easy Way

Read this Backer review to see how you might get help in opening a 529 plan, lowering fund fees, and reducing risk.

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.

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