In this episode, Rob Farrington of The College Investor offers a clear, candid look at what students and families often miss when planning how to pay for college. He unpacks why affordability conversations need to start earlier, and how tools like net price calculators and program-level earnings data can give families a real sense of what’s ahead. Rob shares how rising student loan debt, especially among parents, is reshaping the landscape and why understanding the true cost of borrowing has never been more important.They also dive into the sweeping changes coming to federal loan programs, from new Parent PLUS caps to dramatic limits on graduate school borrowing, and what those shifts mean for future students. Rob offers some grounding advice on choosing affordable pathways, building experience before pursuing grad school, and thinking realistically about return on investment.The conversation highlights practical strategies like dual enrollment, community college transfers, and employer-funded degrees. If you’re planning for college or guiding someone who is, this episode is for you.

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