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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

Brex card
April 30, 2020

Brex Review: Business Credit With Rewards

Brex is a business charge card for startups and eCommerce businesses that offers hefty rewards and doesn’t require a personal guarantee.

cashier's checks
April 29, 2020

Cashier’s Checks: What They Are And Where To Go

Cashier’s checks are guaranteed by the bank itself and are often used for large purchases when the buyer can’t use a debit or credit card.

This vibrant, illustrative alt text image displays various monetary elements against a clean white background, directly supporting an article about "Best Check Cashing Options." In the upper left quadrant, several light green bills, likely representing stacks of cash, are fanned out, creating a sense of financial transaction. Scattered across the white space are numerous golden coins, symbolizing currency and the fees associated with cashing checks. The text "BEST CHECK CASHING: WHERE TO GO" is prominently featured at the top in bold, red, and blue lettering, serving as the central theme and question the article addresses. The image visually reinforces the challenge and options for individuals who need to cash a check but don't have a bank account, highlighting the financial nature of the content and guiding users to solutions for avoiding high fees.
April 27, 2020

Best Check Cashing Options And Alternatives

Check cashing can be expensive when you don’t have a bank account. But these check cashing options come with some of the lowest fees.

topcashback
April 25, 2020

TopCashback Review: Earn Cash For Online Shopping

TopCashBack is a cashback platform that passes on 100% of its referral commissions to its members and has no minimum payout restrictions.

A stylized illustration features a large, grey house key attached to a bright red rectangular keychain, prominently displaying a house icon with a percentage sign inside, symbolizing mortgage rates and home ownership. In the background, several tall, light blue and grey buildings with multiple windows are depicted, representing a cityscape or residential area. The overall image, titled "mortgage calculator," visually supports an article discussing how much house one can afford, mortgage affordability rules of thumb, and key financial considerations like debt-to-income ratio and credit score when buying a home. The bottom left corner includes a logo that reads "THE COLLEGE INVESTOR."
April 22, 2020

Mortgage Calculator | How Much House Can I Afford?

How much house can I afford? Our mortgage calculator can help you answer that important question and set a realistic mortgage budget.

A digital illustration depicts a dark laptop screen with a long, light blue receipt or bill unfurling from it, representing online payments or transactions. To the right, a speech bubble contains two credit or debit cards—one red and one orange—suggesting alternative payment methods or the process of making payments. Another portion of the unfurling scroll shows "$1000" in red text, indicating the typical limits for money orders. The overall image, set against a teal background, visually connects to the article's discussion on money orders as a reliable payment method, highlighting their use for paying bills, the importance of guaranteed funds, and the transaction limits often associated with them, contrasting them with other options like prepaid debit cards or traditional checking accounts.
April 21, 2020

Money Orders: What They Are And How They Work

Money orders are a guaranteed form of payment that you don’t need a bank account to use. Learn how money orders work and their pros and cons.

An isometric digital illustration depicts a human hand, emerging from the screen of a silver laptop, presenting a miniature bank building. The hand has light skin and is clad in a dark suit sleeve with a white cuff, holding the small, classic-style bank with a blue roof, white columns, and the word "BANK" clearly visible above the entrance. The laptop itself is open with its keyboard and screen visible against a solid blue background. This visual metaphor effectively represents the discussion in the article about Truist Bank, formed from the merger of BB&T and SunTrust, emphasizing the accessibility of banking services, including checking and savings accounts, through digital platforms, even as the new financial company expands its physical branches and ATM access for approximately 10 million households.
April 21, 2020

Truist Bank Review

Truist Bank is a new bank formed from the merger of BB&T and SunTrust, adding more branch and ATM access to their existing customers.

Citizens Access Bank
April 17, 2020

Citizens Access Bank Review: Pros And Cons

Citizens Access Bank is an online bank that offers high-yield savings accounts, no-penalty CDs, and CD ladders, each which charge zero fees.

An illustrative, wide shot depicts a stately, symmetrical red brick college campus building with white trim, numerous windows, and several dormer windows on its grey roof, centered against a clear blue sky. Two prominent white-columned entrances flank a slightly recessed central section of the building. In front of the building, several trees with orange and green foliage are neatly spaced across a green lawn, which is bisected by a dark grey pathway or road leading into the foreground. In the bottom left corner, the words "THE COLLEGE INVESTOR" are prominently displayed in white, bold, sans-serif capitalization, connecting the image directly to the article's focus on college savings and investment strategies, such as UNest's UTMA accounts and 529 plans.
April 16, 2020

UNest Review: Save And Invest For Your Kids

UNest is an app that makes it easy to invest in a 529 college savings plan with low minimum investment amounts and reasonable fees.

This illustrative image depicts a diverse group of job seekers, including both human figures and a robot, waiting in line against a deep blue background with "JOBS" visible in the upper right, partially cropped. The queue features three men and two women, all professionally dressed in suits and carrying briefcases or portfolios, symbolizing their readiness for employment. Notably, a modern, white and orange-accented robot stands among them, representing the evolving landscape of the workforce and potential job displacement or competition in the era of automation. The "THE COLLEGE INVESTOR" logo is prominently displayed in white text in the bottom left corner. This visual directly relates to the article's discussion on unemployment benefits and the impact of economic shifts, such as those caused by the coronavirus, on job security and the need for a social safety net.
April 7, 2020

Unemployment Benefits – What Do You Get By State?

If you’ve lost your job, one of your first steps needs to be to file for unemployment benefits. But how much will you receive each week?

This image features a vibrant illustration depicting the concept of international bonds and investment. A stylized bank building with prominent columns and a "BANK" sign above the entrance stands at the center, symbolizing financial institutions and the global bond market. In the foreground, three grey money bags with dollar signs are arranged, representing wealth and capital, particularly relevant to bond allocation within an investment portfolio. The background is a stark red, drawing attention to the bold, white, and red text overlay which reads: "REWARDS OF INTERNATIONAL BONDS [AND HOW TO INVEST]". This visual strongly reinforces the article's focus on the risks and rewards of foreign bond funds and provides an engaging graphic for investors considering international bonds for stability against volatile stocks.
April 6, 2020

The Risks and Rewards Of International Bonds

International bonds can play an important role in your portfolio, but they do carry certain risks and rewards. Here’s how to invest in them.

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