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Financial Aid Loopholes Webinar

Uncategorized Dec 20, 2023

Tutoring | Webinar

Good morning, quickie reminder that we're running a free session on everything you need to know about financial aid -- specifically, how to comfortably afford college without loading up on debt, cutting back on your lifestyle or feeling like you need to sell a vital organ on the dark web --- but were afraid to ask!

Or didn't even know what questions to ask, because this schnitt is muy complicatedo!

Here's where to sign up.

(Feel free to rope in any of your pals who are wondering how on god's green earth they'll possibly be able to afford to send their kid(s) to college, too. Just forward this note to them.)

And here's a little more re: tonight's agenda....

10 deadly, self-sabotaging, money-losing mistakes you need to know about BEFORE you send in your FAFSA, CSS Profile or any other financial aid application
When are the d-mn things due, anyway?
How six figure-earning families can qualify for tuition discounts of 56.4% even...

Financial Aid Bombshell Rule Change

Uncategorized Dec 19, 2023

Tutoring | Webinar

Tomorrow night, we're holding an "encore" performance of our Financial Aid Loopholes and Landmines webinar to help you cope with the "seismic", even "tectonic" changes in college financial aid.

If you have a class of 2025 or younger child who is headed to college, you'll want to join the fun and get this valuable information that you simply cannot get anywhere else.

The Supreme Court and the Department of Education caused major changeroos in college admissions and financial aid, so this tomorrow night we'll be working our way through the ones related to financial aid -- and what they mean for you. Topics on tap:

How six figure-earning families can qualify for tuition discounts of 56.4% even If their child did not crush the SAT, bribe a proctor or cure a pandemic over the summer

The strange reason an expensive private college can cost LESS than a “cheaper” state university

The 529: “Friend” or...

On Early Decision Denials

Uncategorized Dec 17, 2023

This is the time of year when I offer the following thoughts and rants about Early Decision, and, what happens if you don't get in?

First, the whole ED thing is a scam that benefits colleges, not applicants. How can something that restricts your choices be beneficial? Not just a trivial choice, obviously. A choice that can impact the trajectory of a kid's life, not to mention the enormous financial impact of that choice on the whole family.

Here's the dirty little secret: Early Decision was invented to help colleges lock up their incoming class for the following year. To reduce stress on THEM, not students.

Putting that aside, who cares if you don't get into your top choice college? Dumb question, except that there is not much evidence to suggest that it matters where you go to college (See Dale and Krueger). Sure, there's anecdotal evidence that going to an Ivy League or Ivy Plus college can quote unquote open doors. I don't dismiss that...

Financial Aid "Secrets" Meeting Is Starting

Uncategorized Dec 05, 2023

We're Starting!

Financial Aid "Loopholes" and "Landmines"

November 29, 2023 6:45pm EST

We just started but you can still stop by! We're talking about how to get F.R.E.E. cash for college: grants and scholarships, the new rules changes pending New Year's Eve and how they could affect you, more! Here's where to join us:

Join Webinar

See you in class!

-Pearl and Andy Lockwood

Lockwood College Prep

Alert: Financial Aid Changes

Uncategorized Dec 05, 2023

Tutoring | Webinar

In the wee small hours of this morning, Pearl and I were talking about what to talk about, tonight on our webinar. Which is kinda funny, since we tend to talk about the same stuff over and over: financial aid "loopholes," mistakes to avoid, how the whole thing works, when to apply, etc. etc. etc.

Then she mentioned that she herself has been surprised this year, having seen a couple of colleges that now require different financial aid applications compared to last year.

Meaning, it's even hard for to keep track of everything in these crazy times!

Tonight, the agenda is to give you up to date information on the "seismic" changes to the FAFSA (the federal financial aid application required by all colleges) due out at the end of December, based on Pearl's in-the-trenches reporting. She's already prepared and filed a bunch of CSS Profiles for our class of 2024 clients, and will tackle the FAFSA after...

"Hiding" Your Money from Financial Aid Officers

Uncategorized Dec 05, 2023

Tutoring | Webinar

Whenever I'm speaking to a group of parents, their collective ears perk up if I mention how to "shelter" their savings from the financial aid formulas, in order to qualify for more grants, scholarships and other financial aid.

But here's the thing...

These shelters work for only SOME families. I'd guess 20%, maybe a little more.

They're fun to talk about, but how useful is it to discuss if you're in the other 80% of families, who may not see a way to qualify for need-based aid?

Tomorrow night, I'll cover that. Specifically, how ANY family can qualify for discounts of 56% off tuition, even if they make "too much" money, or their child didn't cure a deadly disease or single-handedly build a small village on last summer's "service trip" to the Dominican Republic last summer.

This free class is called "Financial Aid Loopholes and Landmines." I named it all by myself! (Hey, this guy's good!:)

On this live...

Financial Aid "Loopholes" and "Landmines"

Uncategorized Dec 05, 2023

Tutoring | Webinar

We're in the thick of financial aid "season" for our Class of 2024 clients, and the confusion and stress is snowballing.

Over the weekend, the good folks behind the CSS Profile financial aid application did us all the courtesy of blasting out an email that noted that "your CSS Profile application is incomplete." The email went to everybody registered for this service, including those who already completed and submitted a CSS Profile. Helpful.

But these cortisol-raising bits of "fake financial aid news" are par for the course. And sadly, just the tip of the iceberg of mistakes and problems you need to avoid if you're looking for financial aid or scholarships to help you pay tuition for your kiddo(s).

That's why we're running a brand new webinar this Wednesday night, "Financial Aid Loopholes and Landmines." On this live class, you will discover:

Four legal and ethical "loopholes" on the FAFSA (the financial...

This ends today

Uncategorized Dec 05, 2023

This all must end: our 10% off financial aid consulting deals (1-pay and 5-pay).

1-pay option (best deal)

5-pay option

(This service includes filing of your FAFSA, CSS Profile, other apps, assistance negotiating your merit aid and financial aid offers, more.)

...AND, promo #2: student loan repayment consulting. For parents who have already borrowed tens of thousands for their kids' tuition, and are now looking at ludicrous monthly debt payments that just re-started last month, and don't know where to turn: Our new service, Yesterday's Debt, helps you slash your student debt payments.

Coupon code NOIRE gets you 10% off the Strategic Consultation fee. (wait for the shopping cart to update before checking out)

Both 10% off Black Friday promos expires in a few hours, at midnight).

Jump in on either, money-saving program now at a discount, don't miss out!

-Andy Lockwood

P.S. Why are we running...

10% Off Promo

Uncategorized Dec 05, 2023

Good morning,

This reminder is for parents who need help paying for college next year, but are overwhelmed by the process of applying for financial aid and don't want to screw things up...

...AND, also for parents who have already borrowed tens of thousands for their kids' tuition, and are now looking at ludicrous monthly debt payments that just re-started last month, and don't know where to turn.

We're running a 10% off Black Friday promo to help you with either scenario (expires Sunday, midnight).

Here are the discounted pages for our financial aid consulting and applications prep service, with the 10% off coupon baked in:

1-pay option (best deal)

5-pay option

And here's the info for our new service, Yesterday's Debt, to help you slash your student debt payments.

Coupon code NOIRE gets you 10% off the Strategic Consultation fee. (wait for the shopping cart to update before checking out)

This train leaves the station Sunday at...

Black Friday - Our First Eva Promo

Uncategorized Dec 05, 2023

Hidey-ho, here's the deal, quicker than instant stuffing:

Pearl has a history of pulling rabbits out of her hat for our clients re: seemingly creating windfalls of financial aid out of thin air. That's been her bread and butter for more than a decade.

Now, because times have changed, she's added another arrow to her quiver: helping clients slash their existing student loan payments (they just became due after a three year slumber -- they're baaaaaack).

Her latest example: she turned a dual income client's $4,000 plus per month payment on their PLUS loans (parent loans) into $1,000 + per month, which will save them close to $39,000 per year...

...Times 10 years. That's a tidy sum.

But here's the kicker: the client will get $200,000 wiped off the books -- discharged entirely -- after 10 years. Not too shabby.

So today I'm running a Black Friday (is it still ok to use that term?) promo on these two, money and...

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We're Starting!

Financial Aid "Loopholes" and "Landmines"

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