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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

Secretary of Education Linda McMahon testifies before a House Committee on Appropriations subcommittee budget hearing on the US Department of Education on Capitol Hill, Wednesday, May 21, 2025, in Washington. (AP Photo/Rod Lamkey, Jr.)
December 15, 2025

Status Report: Student Loan IDR Backlog Still Near 800,000

New court filing shows IDR backlogs falling, but hundreds of thousands of borrowers are still waiting on student loan decisions.

A red brick University Hall at Ohio State University featuring a distinctive clock tower stands at the end of a tree-lined walkway under a clear blue sky. This classic collegiate setting illustrates the traditional "sticker price" perception of college, while the accompanying article explains how students can avoid paying full tuition through grants, community college transfers, and employer-paid programs.
December 15, 2025

How Students Can Avoid The Full Cost of College

Learn how scholarships, grants, community college, and earning credits in high school reduce college costs dramatically for families.

This image features a broken orange piggy bank, split down the middle but still connected by a thin, wavy line, against a light blue background. Above the piggy bank, bold red and blue text reads "BEST BANK ACCOUNTS TO GET YOUR TAX REFUND OR DIRECT DEPOSIT EARLY." A glowing yellow sun-like icon is positioned just above the piggy bank. On either side of the broken piggy bank, several white outlined icons are connected by dashed lines, representing different financial concepts relevant to early direct deposit services. These include icons for a house, cutlery, a t-shirt, and what appears to be a phone or wallet on the left, and icons for a check, a clock, a shopping cart, and a building on the right. This visual clearly illustrates the article's focus on bank accounts that allow early access to paychecks, tax refunds, or other ACH payments, emphasizing the idea of breaking traditional waiting periods for funds. Source: The College Investor
December 15, 2025

Best Bank Accounts For Early Direct Deposit In 2026

Looking to get paid early? These bank accounts offer early direct deposit in 2026 – access your paycheck or tax refund up to 2 days sooner.

Large gold "BANK" sign on a corporate building facade. This symbolizes private lenders facing underwriting challenges to replace federal Grad PLUS loans for high-cost graduate and professional programs. Source: The College Investor
December 14, 2025

Why Private Lenders May Not Replace Grad PLUS

New federal loan caps leave graduate students with potentially big gaps. Private lenders may not fill them.

Overhead shot of a person’s hands opening a white envelope stamped with the words "FINAL NOTICE" in bold red letters. Beside the document sits a laptop and other office items on a wooden desk. This image visually represents the financial stress and looming deadlines facing student loan borrowers, highlighting the surge in delinquencies and the potential restart of payments for millions following recent policy shifts. Source: The College Investor
December 13, 2025

Student Loan Delinquencies Hit New High as Borrowers Face Fresh Uncertainty

New data shows most student loans remain paused and delinquencies rising as a settlement may force millions to restart payments after five years.

An eye-level, slightly upward-angled, daytime shot of the U.S. Capitol Building in Washington D.C. under a clear blue sky with sparse white clouds. The iconic white dome, topped with the Statue of Freedom, dominates the center of the frame, surrounded by its intricate columns and architectural details. The building's white marble facade extends horizontally, flanked by lush green trees on both sides, with more distant buildings partially visible. In the foreground, scaffolding and construction equipment are visible on the steps leading up to the Capitol, suggesting ongoing work. This image visually represents the "Congress" mentioned in the article, specifically the legislative body responsible for the "Big Beautiful Bill" that eliminates federal Grad PLUS loans, impacting graduate students' ability to afford professional programs like law and medicine.
December 12, 2025

Grad PLUS Loans Will Be Ending In 2026

Congress will be eliminating Grad PLUS Loans. Learn how this could affect law, med, and master’s students.

The George Washington statue at the University of Texas at Austin stands prominently in front of the iconic tower. This image represents the broader national conversation on higher education funding and policy, specifically referencing Texas colleges losing millions in federal Hispanic-Serving Institution (HSI) grants, a major headline in this week's college and money news.
December 12, 2025

This Week In College And Money News: December 12, 2025

FAFSA adds a lower-earnings alert, SAVE moves toward phase-out, colleges pursue economic diversity, Pell rules emerge, and Texas loses HSI funds.

Diverse group of smiling college students walking together on a sunny campus path, carrying backpacks and books. This image illustrates the value of perseverance, specifically encouraging sophomores to re-file the FAFSA for potential financial aid opportunities they may have missed as freshmen. Source: The College Investor
December 11, 2025

Why College Sophomores Should Still File The FAFSA

Didn’t get financial aid freshman year? FAFSA eligibility can change sophomore year. Here’s why filing again matters.

Overhead shot of a person’s hands holding a pencil, pointing to a specific date on a paper calendar laid flat on a wooden desk. Beside the calendar are a coffee cup, laptop, and a stack of books with glasses on top. This image illustrates the crucial planning needed for on time action. Source: The College Investor
December 10, 2025

Parent PLUS Borrowers Face A June 30, 2026 Deadline

Parent PLUS borrowers must consolidate by June 30, 2026 to keep access to IBR and ICR. March is the latest safe time to apply.

Fear Of Investing
December 10, 2025

How To Overcome The Fear Of Investing In The Stock Market

Here is an action plan and strategy set for overcoming the fear of investing in the stock market so that you don’t lose money over time.

Department of Education Secretary Linda McMahon hold a press conference, today on November 20, 2025 at Brady Room/White House in Washington DC, USA. (Lenin Nolly/Sipa USA)(Sipa via AP Images)
December 9, 2025

Court Deals Final Blow To End SAVE Student Loan Repayment Plan

SAVE is set to end after a court settlement and millions must choose new federal student loan repayment plans.

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