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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

Roofstock Review
January 10, 2022

Roofstock Review: Pros, Cons, And Alternatives

Interested in investing in real estate? Roofstock is an online marketplace for tenant-occupied real estate. Learn more in this Roofstock review.

An illustrative image of a traditional, neoclassical bank building with the word "BANK" prominently displayed above its entrance, flanked by tall columns. The building features multiple windows with dark panes and a set of steps leading up to the main door, all rendered in a flat, cartoonish style. Two stylized green trees with rounded leaves stand on either side of the bank, against a muted background with hints of teal shapes suggesting clouds or abstract elements. In the bottom left corner, the white text "THE COLLEGE INVESTOR" is visible, indicating the source of this review. This visual represents the banking services and products, such as high-yield savings accounts and business checking, offered by institutions like Customers Bank, discussed in the accompanying article.
January 9, 2022

Customers Bank Review: Bonus Checking And High-Yield Savings

Customers Bank is a full-service online and brick and mortar bank. They have solid APYs but only if you meet certain activity or minimum balance requirements.

This illustrative image depicts a top-down view of a person using a laptop with hands visible on the keyboard, surrounded by investment-related items on a bright yellow desk. Above the workspace, two distinct stock market charts are displayed against a yellow background, featuring green and red bar graphs and a fluctuating line graph, symbolizing stock performance and trends. To the left of the laptop, a black calculator and a document with a red and green line graph are visible, representing financial calculations and stock analysis. On the right, a cup of coffee suggests a focused work environment. The bottom left corner prominently features the text "THE COLLEGE INVESTOR." This image effectively visualizes the intensive research and analytical work involved in stock picking and investment services like The Motley Fool, as discussed in the accompanying article.
January 2, 2022

Motley Fool Review: Pros, Cons, And Alternatives

The Motley Fool is a financial advice company that has enjoyed a long history of success with providing paid stock-picking newsletters.

A digital graphic promoting a "Merrill Edge Review" is displayed against a dark green, geometric background with faint white grid lines and abstract shapes, possibly representing a financial chart or global network. The title "Merrill Edge Review" is prominently featured in large, bold white sans-serif font, with a thin white line underneath it. Below this, in a slightly smaller but still prominent white sans-serif font, is the tagline "Low cost access to the best of Merrill," also underscored by a thin white line. This image serves as a visual identifier for an article detailing the Merrill Edge platform, which offers discount brokerage services, guided investing solutions similar to robo-advisors, and financial advisors, all while highlighting its competitive fees and integration of technology with traditional portfolio management.
December 31, 2021

Merrill Edge Review: Can It Compete With Online-Only Brokers?

Merrill Edge offers commission-free Self-Directed Investing, Guided Investing and extra perks for Bank of America customers. Read our review.

An illustrative image representing a 401k review for small to medium-sized businesses, featuring four stylized figures. Two figures on the left, one in a green shirt and one in a dark suit, appear to be observing a large blue clipboard prominently displaying "401(K)" in white text, symbolizing retirement plans. Above the clipboard, there are icons for money (gold coins), a calendar, and a calculator, all representing financial planning and management. Below the clipboard, there's a dollar bill and a wallet with a gold coin, indicating fees and savings. Two figures on the right, one in a grey suit and another in a blue shirt, are engaged in what appears to be a discussion related to investment options. The overall image, titled "The College Investor," visually conveys the concept of low-cost 401k providers like Employee Fiduciary, catering to companies with around 30 employees or less, emphasizing the accessibility of retirement plans for small businesses.
December 30, 2021

Employee Fiduciary Review: Bargain 401k Plans For Small Businesses

Employee Fiduciary is one of the lowest-cost 401k providers for small and medium-sized businesses on the market today.

A graphic illustrating various types of real estate investments available through platforms like RealtyMogul, set against a subtle grey gradient background with "THE COLLEGE INVESTOR" logo in the bottom left corner. The image features six distinct, stylized buildings: a three-story apartment building with balconies, a two-story house with a green roof, a single-story yellow house with a tree, a light blue house with a white picket fence, a red house with an attached garage, and a large red multi-story commercial building. This visual representation highlights the diverse commercial and residential real estate options for investors, including those participating in crowdfunding and REITs, as discussed in the accompanying article on RealtyMogul's investment opportunities.
December 27, 2021

RealtyMogul Review: Pros, Cons, And Alternatives

If you would like to add exposure to the real estate sector in your portfolio, take a look at this RealtyMogul review to learn about it!

This vibrant illustration depicts a large balance scale weighing the values of Bitcoin (BTC) against the US Dollar ($), symbolizing the core theme of crypto lending and borrowing discussed in the article. On the left pan of the scale sits a large gold Bitcoin coin, while the right pan holds a gold US Dollar coin. A small figure on a ladder is meticulously adjusting a screen displaying a financial graph, positioned between the two pans, suggesting careful analysis of cryptocurrency markets. Another figure sits atop the US Dollar coin, looking apprehensive as they hold onto the scale's beam, conveying the inherent risks in crypto investments. A massive blue question mark with gears intertwined within it dominates the background on the right, further emphasizing the uncertainties and complex decisions involved in decentralized finance. The image effectively visualizes the comparison and potential volatility between traditional currency and digital assets like Bitcoin, directly relating to CoinRabbit's role as a crypto lending platform where investors and borrowers navigate these fluctuating values.
December 23, 2021

CoinRabbit Review: Earn Or Borrow Crypto

CoinRabbit offers crypto loans and interest accounts. Yields seem competitive, but CoinRabbit’s terms and policies are vague.

A digitally illustrated graphic depicting the concept of student loans and income-based repayment options, featuring "The College Investor" logo in the bottom left corner. In the center, a young man with dark hair, wearing an orange sweater and blue jeans, sits casually on a stack of books while working on a laptop. The books beneath him are colored in shades of blue, orange, and gray, symbolizing education and knowledge. Two large, disembodied hands frame the central figure; the hand on the left holds a stack of gold coins, representing financial investment, while the hand on the right holds a single, large gold coin with a prominent dollar sign, symbolizing income or loan repayment. This visual metaphor illustrates the connection between investing in education through student loans and the potential for future earnings, directly relating to Edly's income-based student loans and income-sharing agreements discussed in the article.
December 16, 2021

Edly IBR Student Loan Review: Pros, Cons, And Alternatives

Edly IBR Loan payments adjust with your income. But this extra flexibility could come at a cost. Read our Edly IBR Loan review to learn more.

A digital illustration shows two women engaged in financial activities related to order routing for stocks and crypto. On the left, a woman with dark hair, wearing a black top and red pants, stands while holding a smartphone with a green screen, representing mobile trading or checking market prices. On the right, a woman with curly reddish-orange hair, dressed in a teal top and dark pants, sits at a desk working on a laptop, symbolizing more in-depth trading or analysis. A potted plant sits on the desk, adding a touch of a modern office environment. Above them, dotted lines curve and connect towards a prominent orange Bitcoin symbol, illustrating the concept of order routing and how trades for crypto tokens and stocks navigate through various channels to reach exchanges or market makers, ultimately leading to execution. The image visually supports the article's explanation of what order routing is, its importance for successful trading, and how platforms like TradeStation facilitate efficient routing for both stock and crypto investors.
December 15, 2021

What Is Order Routing For Stocks And Crypto?

Order routing is an important part of successful trading, especially for crypto traders. Learn how order routing works and when it matters.

An illustrated graphic for "The College Investor" features a light blue safe filled with green dollar bills, representing secure savings and banking. To the left of the safe, a stack of gold coins symbolizes financial assets and the potential for savings growth. On the right, a gold shield with a white checkmark signifies security, protection, and trust in financial institutions. All these elements are encircled by a gradient purple and blue ring with dashed lines and sparkling dots, suggesting digital or online banking and the comprehensive services of a full-service bank. The image visually supports the article's focus on Bank of America's savings offerings, highlighting key aspects like security, managing savings goals, and the overall banking experience.
December 14, 2021

Bank of America Advantage Savings Review: Is It Worth It?

Are you looking for a savings account? Perhaps you’re a Bank of America customer, and you’re wondering if theirs is right for you. Find out!

This image features the prominent white text "TRADESTATION REVIEW" centered on a black background, framed by decorative white flourishes and horizontal lines above and below, with a small diamond shape at the very top and bottom. The background of the image, partially obscured by the text, shows financial documents and a calculator, subtly hinting at the mathematical and analytical aspects of investing discussed in the accompanying article. The calculator, with visible numerical buttons and a small display, represents the quantitative nature of trading, while the papers likely contain figures and data relevant to asset allocation, stock trades, and brokerage fees. This visual reinforces the article's focus on TradeStation as an investing software for active traders, emphasizing the data-driven approach needed to gain an edge in the market.
December 14, 2021

TradeStation Review: Pros, Cons, And Alternatives

TradeStation is a direct access broker that includes a suite of advanced tools for active traders. Learn more in this TradeStation review.

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