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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

The image depicts a blurred graphic illustrating the concept of gift tax exclusion, with two stylized figures exchanging a gift. A person on the right, wearing a red shirt, is handing a light brown bag, presumably a gift, to a person on the left wearing a grey shirt. The background features light green and white shapes that resemble clouds or abstract landforms, with subtle elements of Islamic architecture like a lantern and a mosque tower, suggesting a context of giving. Gold coin-like objects and gift bags are visible at the bottom, further emphasizing the theme of gifting and money. Overlaying the image in prominent red and white text are the questions "WHAT IS THE GIFT TAX AND HOW MUCH CAN YOU GIFT TAX-FREE," directly relating to the article's discussion on gift tax rules, annual exclusion limits, and tax-free money thresholds, highlighting how much you can give before the IRS imposes taxes.
June 5, 2020

What Is The Gift Tax And How Much Can You Gift Tax-Free?

The current gift tax rules allow you to give $19,000 per year in 2026 and $15 million throughout your lifetime of tax-free money. Learn more!

Savology
June 2, 2020

Savology Review: Free Personalized Financial Plans

Savology is a free financial planning platform that gives personalized recommendations and action items to improve your financial health.

This illustrative image features a repeating pattern against a solid blue background, depicting various isometric representations of individuals and groups interacting with stacks of gold coins, symbolizing investments and savings. In the top row, a person in a wheelchair is positioned next to a stack of coins, while another scene shows a hand offering coins to a standing person. Other rows include individuals sitting on chairs near coins, families standing on or near coin stacks, and scenes of people engaging in what appears to be financial transactions. At the bottom left, the text "THE COLLEGE INVESTOR" is prominently displayed. The image visually represents the article's focus on 401k loans and withdrawals, illustrating concepts of borrowing against oneself, repayment, and the accumulation or use of retirement funds for various life events or expenses.
June 1, 2020

401k Loans: The Good, The Bad, The Ugly

401k loans are funds that are borrowed from a 401k plan. Unlike most loans, there is no lender involved and the interest is paid to yourself.

fundrise alternatives
May 28, 2020

Best Fundrise Alternatives To Start Investing In Real Estate

Not sure that Fundrise is the right real estate crowdfunding site for you? Check out our top Fundrise alternatives for real estate investors.

William D. Ford Act
May 27, 2020

William D. Ford Act: A Student Loan Scammer’s Favorite Phrase

The “William D. Ford Act” is a phrase that scammers will often use to establish legitimacy when discussing your William D. Ford Direct Loans.

A stylized illustration depicts two hands engaged in a mobile banking transaction, relevant to the Provident Bank review on The College Investor. The left hand holds a white smartphone, from which several light green dollar bills are emerging, suggesting digital money transfers or account access. The right hand grasps one of these dollar bills, which features a prominent circular design in its center. The background is a solid teal color, with dark teal, rounded shapes along the top and bottom edges, creating a subtle frame. Short black lines behind the phone and extending from the dollar bill held by the right hand convey motion, emphasizing the speed and convenience of online banking. In the bottom left corner, the white text "THE COLLEGE INVESTOR" is visible, branding the image as content from the financial website discussing banks like Provident Bank and top online banks.
May 23, 2020

Provident Bank Review

Provident Bank is a full-service bank in New Jersey and Pennsylvania that boasts over 80 local branches but has uninspiring interest rates.

UFB Direct
May 14, 2020

UFB Direct Review: Pros, Cons, And Alternatives

UFB Direct is an online-only bank that offers savings and money market accounts with top yields, but minimum balance requirements apply.

This vibrant image illustrates the concept of teaching teens about money management with prepaid debit cards, set against a light blue background. The focal point is a collection of brightly colored gift boxes, wrapped in hues of blue, green, yellow, pink, and purple, each adorned with a contrasting ribbon and bow. These gifts visually represent the financial tools and lessons being given to teenagers. In the background, slightly blurred, are outlines of young people, suggesting the demographic receiving these financial education benefits. Prominently displayed in large, bold, red text across the top of the image are the words "BEST PREPAID CARDS TO TEACH YOUR TEENS ABOUT SPENDING," directly reinforcing the article's topic. The overall composition emphasizes the positive and empowering aspects of providing prepaid cards for kids, highlighting how these tools can help teens track spending, set limits, and develop solid financial habits without the risks associated with traditional bank accounts.
May 13, 2020

Best Prepaid Debit Cards For Teens

Prepaid debit cards for teens can match many of the features of bank accounts without the risk of racking up overdraft fees. Here are our top picks.

Vinovest
May 12, 2020

Vinovest Review: Invest In Fine Wines

Vinovset is a technology platform that allows everyday people to invest in fine wine. Read our Vinovest review to learn how it all works.

insure excess bank deposits
May 8, 2020

How To Insure Excess Bank Deposits Above The FDIC Limits

The FDIC insures up to $250,000 of bank deposits per bank per person. Here’s how to insure excess bank deposits above the FDIC limit.

The image depicts a visually conceptual representation of credit card debt relief, illustrating the upward path to financial recovery. Against a soft purple background, bold red text at the top prominently displays "RELIEF," followed by "WHERE TO GET HELP FOR YOUR DEBT" in dark blue capital letters. Below this text, a dynamic blue arrow curves gracefully upward and to the right, symbolizing progress and improvement in financial stability. Two stylized figures, dressed in white shirts, are shown reaching up and holding onto different points of the rising blue arrow, conveying the act of grasping opportunities for debt relief. This image effectively complements the article's discussion on navigating credit card debt and finding legitimate help, highlighting options such as refinancing, changes to payment agreements, debt management plans, debt settlement, and even bankruptcy, for those struggling with overwhelming credit card bills due to unforeseen circumstances like job loss or economic crises.
May 1, 2020

Credit Card Debt Relief: Where to Find Legitimate Help

If you’re feeling overwhelmed by your credit card bills, these are your best credit card debt relief options to relieve the burden.

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