Discover How To MULTIPLY Your Odds Of Getting Into Your “Dream School” And Slash College Costs By 49.1%

College consultants reveal college admissions, financial aid and scholarship "secrets" ESPECIALLY for Forgotten Middle Class families who think, "Why bother with the FAFSA, families like us can't qualify for anything!"

From the desk of Andrew Lockwood, J.D.
Long Island, New York

Dear Fellow Parent:

This site is for parents of college-bound teens, who are uptight, stressed and confused about the college planning process, especially:

  • Paying for college, scholarships and financial aid
  • Finding a “good fit” college
  • Getting into college
  • Avoiding crushing student debt
  • Choosing a major that will lead to a satisfying and lucrative career, instead of welcoming your college grad home to the basement in between shifts making coffee drinks that nobody can pronounce

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But before you read any further…

WARNING! I’m dead sure that…

What I have to say is likely the complete opposite of the advice you’ve gotten from “experts” like guidance counselors, accountants and your “financial guy.” And I have the hate mail to prove it!

My name is Andy Lockwood, I’m a college financial aid and admissions consultant.  My partner, Pearl Chizner Lockwood (we’re married, the last name isn’t a coincidence) and I help parents and coach kids through the college financial aid, scholarship, college selection, college essays etc. etc. etc. process.

Some families start with us as early as 9th grade, some in 12th and most in-between.

However, you won’t find any weird, coercive sales pitch on this site or in anything we say or do, because we have learned over the years that our approach is definitely NOT right for everyone. Here are a few examples, off the top of my head:

  • You may have saved in the “wrong” places (as far as the financial aid formulas are concerned) even though your CPA or (commissioned) financial advisor told you where to stash your hard-earned cash
  • If you’re a business owner, you may be unaware of often overlooked, unique, legal and ethical income tax and financial aid “loopholes” that could save you thousands per year
  • You may think “People like us don’t qualify for anything” even though most aid goes to families earning six figure incomes (I know, it sounds strange, but you’ll “get” the common sense explanation immediately)
  • There’s a strong likelihood that you are looking at the wrong colleges if you care about scholarships and grants
  • Your kid may not doing the right things necessary to get into his dream college, especially when you consider that he is competing with 5,000-20,000 other applicants with virtually the same grades and standardized test scores
  • You may be ignoring the sleeping elephant in the room:  the “Next 40” years of your child’s life. Sometimes the same old “Rear Window Sticker” colleges and popular majors turn out to be bad choices for kids who unthinkingly select them when you look at how well they prepare their graduates for life after college
  • You are blissfully unaware of disturbing statistics facing today’s college graduates:  46% of grads are not employed in a field that requires a college degree…TWO YEARS after graduating…and only 33% of college students manage to graduate in four years!
  • You don’t have any sense of humor.  In fact, you prefer to be stressed about the college process even though that, by the time May 1st of senior year rolls around,  there is a documented 37% chance that you will lack the mental capacity to say anything other than  “That’s tasty pudding!” because excessive cortisol levels from college stress have short-circuited your brain.

Recent webinar

My $100,000 Fail

Pearl and I have worked with families with college-bound children for more than 15 years to help them avoid the stress and emotional pain I went through when I racked up $100,000 plus in debt between college and law school.  We now have four kids and have sworn a blood oath that none of them will go through anything remotely like what I endured.

That’s why we founded our college consulting practice, and why I wrote my first  book,  How to Pay “Wholesale” for College – to help “Forgotten Middle Class” beat colleges at their own game. Even though it made #1 best seller status, I’m giving it away because we promised we’d do so after we made $10 Million in book sales and Oprah optioned the book.  

OK, fine, the real reason that you can download the book for free is because we want to thank you for stopping by this website and taking the time to read our “stuff.”

Easily understood, “insider” financial aid tips and strategies

The book is a quick read, but full of important, easy-to-access, helpful information, including:

  • Which savings accounts “count” against you more than others
  • Which savings accounts are EXEMPT entirely?
  • How to predict a financial aid award
  • The deadliest mistakes people make in admissions, the college essay and financial aid, and how to avoid them
  • More

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Please feel free to noodle around the rest of this site, particularly our client testimonial videos, live webinars, local college admissions and financial aid workshops and our show, “College Talk Tuesday,” every Tuesday, Noon ET on Facebook.  

If you feel like our approach makes sense to you, and you want to speak to us one-on-one about your college plan (even if you don’t yet have one! :), you are more than welcome book a consult using the link at the top of this page (subject to availability).

Please note this weasel-clause disclaimer, to prove that I once went to law school:  No, I cannot guarantee that YOU will cut your college costs by 48.6% or at all.  Or that your kid will get into Harvard.

Everyone’s different, but that statistic came from the National Association of Collegiate Business Officers -it’s the 2016 average discount given by colleges.

We are both adults, I certainly don’t think you need to read this disclaiming language,  but regulators might think otherwise. 🙂  So consider yourself disclaimed!

Whatever you choose to do next, I sincerely hope you find our information valuable and want to thank you for giving it the old “college try!”


– Andy Lockwood

P.S.  “The old college try.”  Funny.

P.P.S. If you are interested in hosting a college planning “secrets” workshop, please contact the office!  We have given presentations at libraries and PTAs in Greenlawn, Huntington, Garden City, Roslyn, Jericho, Syosset, Wantagh, Merrick, Hewlett, Bellmore, Massapequa, Smithtown, Northport, Commack, Glen Head, Glen Cove, Bronx Science HS, Riverhead, Avon CT, Mystic CT and many other locations.  (We get around!)

Andrew Lockwood, J.D.

Lockwood College Prep
Jericho – Woodmere