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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, slightly upward-angled shot of the Internal Revenue Service (IRS) federal building's entrance in Washington D.C., USA, emphasizing its prominent stone facade and the bold, black carved letters spelling "INTERNAL REVENUE SERVICE" above the doorway. The classic, ornate architectural details, including decorative dark rosettes flanking the text and intricately carved stone trim, are clearly visible. The image conveys a sense of official authority and directly relates to the article discussing the IRS's annual inflation adjustments for retirement accounts, specifically the raised 2026 contribution limits for 401(k) and IRA plans, as detailed in Notice 2025-67.
June 11, 2026

IRS: More Than Half of States Have Joined the New $1,700 Federal Scholarship Tax Credit

The IRS says 27 states have opted into the new Federal Scholarship Tax Credit, a $1,700 credit for school scholarship donations starting in 2027.

Close-up of a student’s hands typing on a silver laptop keyboard next to textbooks and glasses. This image visualizes the urgency and focus required when applying for mid-year student loans or an Education Line of Credit to cover unexpected college expenses like housing or course fees after the semester has already begun. Source: The College Investor
June 11, 2026

Tired of Reapplying for Student Loans Every Year? There’s a Better Way

Student Choice offer the unique education line of credit that can save you from reapplying for student loans every year.

foyer home savings review
June 10, 2026

5 Best HELOC Alternatives For Home Equity In 2026

HELOCs have been hard to come by during the pandemic. But you may still be able to tap your home equity with one of these HELOC alternatives.

The United States Capitol building with American flag | Source: The College Investor
June 10, 2026

House Passes Bill to Screen Every FAFSA for Identity Fraud

The House passed the No Aid for Ghost Students Act, requiring fraud screening on every FAFSA. Here’s what it means for students and aid timing.

US Capitol Night Reflection Washington DC | Photo: Bill Perry
June 9, 2026

Social Security’s 2032 Insolvency Would Cut The Average Check By $500 A Month, CRFB Report

A new CRFB report finds Social Security’s 2032 insolvency would trigger a 24% cut, slashing the average benefit by $500 a month. No state would be spared.

President Donald Trump speaks at a roundtable event about no tax on tips, Thursday, April 16, 2026, in Las Vegas. (AP Photo/Alex Brandon)
June 8, 2026

Court Strikes Down Trump’s $100,000 H-1B Visa Fee

A federal judge struck down Trump’s $100,000 H-1B visa fee, ruling it an illegal tax only Congress can impose. What the decision means for colleges and hiring.

Ranking Member U.S. Sen. Elizabeth Warren (D-MA) speaks during a Senate Committee on Banking, Housing, and Urban Affairs hearing in the Dirksen Senate Office Building on February 26, 2026 in Washington, D.C. (Photo by Samuel Corum/Sipa USA)(Sipa via AP Images)
June 8, 2026

62 Lawmakers Demand Education Department Act on Student Loan Default Crisis

62 lawmakers led by Warren and Merkley press the Education Department to defuse the student loan default cliff, with 9 million now in default. Answers due June 22.

Male and female passengers with luggage walk through International Arrivals at airport, reflecting the change in international student enrollment at US colleges.
June 8, 2026

Universities Cut Jobs and Degrees as International Graduate Students Vanish in 2026

International graduate enrollment fell again in 2026, triggering layoffs, deficits, and program cuts at DePaul, UNT, and UT-Arlington as visa rules tighten.

Man offering money and a question mark referring to financial aid, as colleges determine how much aid to award. Source: The College Investor
June 8, 2026

What “Meeting 100% of Demonstrated Need” Actually Means at U.S. Colleges

Colleges define need with different formulas and meet it with grants, loans, and work-study. Learn how to read past the aid letter language.

Capitol building in Washington. The United States Senate and House of Representatives. Source: The College Investor
June 7, 2026

House Spending Bill Would Eliminate Subsidized Student Loans To Pay For Pell

House FY27 spending bill would eliminate subsidized student loans after July 2027 to fund a $50 Pell Grant increase, raising potential debt by $6,000 per borrower.

This graphic visually represents the core concept of VA education benefits and military financial assistance for college. The image features a prominent stack of five books, with the top three in a warm orange hue and the bottom two in white, symbolizing the educational resources and learning involved. Above the books, a dark circular icon displays a white graduation cap, clearly indicating academic achievement and higher education. To the right of the book stack, another dark circular icon contains a white dollar sign, emphasizing the financial aspect of these benefits and scholarships. The background is a clean white, adorned with abstract geometric shapes in matching dark gray and orange tones, including plus signs, circles, and dotted rectangles, which add a modern, dynamic feel to the illustration, reinforcing the opportunities and funds available for servicemembers, spouses, children, and veterans seeking to take advantage of these vital programs. Source: The College Investor
June 6, 2026

Education Line Of Credit vs. Private Student Loans

An education line of credit can help you pay for all four years of college with just one loan application. Here’s what you should know and how they compare to private student loans.

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