The College Investor

The College Investor aims to assist you in breaking free from student loan debt, allowing you to focus on creating genuine wealth for your future. We guide you through your personal finance choices, helping you to eliminate debt, increase your income, and understand the basics of investing, among other topics. Since its inception in September 2009 as a personal finance blog by Robert Farrington, we have transformed into a comprehensive financial media brand. Today, we connect with millions of readers monthly through our website, podcast, and video content, offering expert guides, reviews, tutorials, and much more.

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Here's What It Means For Grads

2 days ago | thecollegeinvestor.com | Colin Graves

Average GPAs are rising, but test scores are not, signaling widespread grade inflation. Parents and colleges are increasingly misled by inflated grades, undermining accountability and preparedness. Standardized testing is making a return as grades lose value, and policymakers are being urged to restore grading rigor. Grade inflation has been quietly reshaping American education.
What Happens To Student Loans If The Budget Bill Dies?

2 days ago | thecollegeinvestor.com | Colin Graves

Student loan borrowers are in limbo as Trump and Elon publicly battle over the Big Beautiful Bill proposal. If the Big Beautiful Bill fails, the RAP plan won't happen, and neither will the transition for SAVE borrowers. Administrative forbearance for SAVE borrowers may last into mid-2026, but timelines could change depending on legal and legislative action. A brewing political standoff over federal spending is throwing the future of millions of student loan borrowers into question.
Free Tuition At Harvard For Families Making Under $200K

3 days ago | thecollegeinvestor.com | Colin Graves

Harvard University will offer full tuition coverage for families earning up to $200,000, beginning in the 2025-26 academic year. Families making under $100,000 will receive aid that covers the full cost of attendance, including tuition, housing, food, health insurance, and travel. The change reflects growing efforts by elite colleges to respond to concerns about affordability and access for middle-income students.
SAVE Plan Still Paused, But Other IDR Options Move Fast

3 days ago | thecollegeinvestor.com | Colin Graves

Borrowers can now submit Income-Driven Repayment (IDR) applications online, with most processed in under a week. Those pursuing Public Service Loan Forgiveness (PSLF), switching IDR plans, or recertifying lower income may benefit most from applying now. Applications for SAVE and "lowest monthly payment" requests remain paused, leaving some borrowers in administrative limbo.
MOHELA Confirms 0% Interest for SAVE Plan Borrowers

3 days ago | thecollegeinvestor.com | Colin Graves

MOHELA confirmed that borrowers on the SAVE plan are in 0% interest status and no payments are currently required. A system issue is causing borrowers to receive false interest accrual on their loan statements. While the error does not require borrower action, borrowers are encouraged to verify their account information and SAVE enrollment.
How To Contact Your Congress Member Effectively

4 days ago | thecollegeinvestor.com | Robert Farrington |Colin Graves

Most congressional offices receive thousands of messages per week, but personalized and well-timed outreach stands out. Offices use databases to tally contact by topic, and high-volume, local, or heartfelt messages are more likely to get a legislator’s attention. A clear, respectful call or letter, especially with personal relevance, can be part of the internal summaries members use to shape decisions. Every House and Senate office tracks constituent input.
Repayment Assistance Plan (RAP) Student Loan Calculator

5 days ago | thecollegeinvestor.com | Robert Farrington |Colin Graves

The Repayment Assistance Plan (RAP) is proposed to replace current income-driven repayment options for federal student loans. Monthly payments under RAP scale with income, ranging from $10 minimum up to 10% of adjusted gross income, with reductions for dependent children. The plan caps loan forgiveness at 30 years and avoids negative amortization through monthly interest subsidies and principal support.
Education Dept Halts Garnishment of Social Security Checks

5 days ago | thecollegeinvestor.com | Colin Graves

The Trump administration has reversed its plan to resume garnishing Social Security benefits from borrowers with defaulted federal student loans. More than 450,000 borrowers age 62 and older are currently in default and at risk of benefit reduction. While collection activities resumed in May, the Education Department says older borrowers on fixed incomes will be temporarily shielded.
GOP Budget Plan Cuts Pell Grants And 30-Year Student Loans

5 days ago | thecollegeinvestor.com | Colin Graves

House Republicans passed a budget bill that would eliminate subsidized and Grad PLUS loans and extend loan repayment terms to as long as 30 years. The proposal would reduce Pell Grant access for hundreds of thousands of students. The bill limits borrowing based on new federal formulas. The new budget bill narrowly passed by House Republicans aims to restructure the federal student loan system and dramatically reshape financial aid.
Unexpected Interest Charges? Here’s What SAVE Borrowers Should Know

6 days ago | thecollegeinvestor.com | Colin Graves

Borrowers enrolled in the SAVE repayment plan are experiencing unexpected interest accrual. Loan servicers like MOHELA have acknowledged the issue and assures that any improperly accrued interest will be corrected before payments resume. Borrowers are advised to verify their enrollment in the SAVE plan and monitor their loan accounts to ensure issues are corrected.