For stressed out parents of college-bound teens...

Finally!  How to get your hands on the scholarships and grants you NEED to send your child to his "Dream College"...without sacrificing your current lifestyle! 

Discover the hidden “loopholes”  - and stay clear of deadly, money-losing "landmines" - buried in the financial aid system that ANY family can use to beat the overpriced, rip-off colleges at their own sick game

Don't overpay for college needlessly... This works ESPECIALLY for moms and dads who think, “Why bother?  Families like us NEVER qualify for ANYTHING!"


"Because of Andy's wizardry, we were able to send our three boys to expensive private colleges without having to eat mac 'n cheese every night for dinner." - Shari & Ralph Rizzuto, Huntington NY

Dear Fellow Parent:

If your child is headed off to college in the next year or so, and you're now, officially, SHOCKED when you realize just HOW RIDICULOUSLY EXPENSIVE tuition has gotten since YOU applied back in "The Day"...

...and you're saying to yourself, How on god's green earth will I possibly be able to afford even HALF of what it's going to take to send my kids where they deserve to go...

Then I suggest that you stop whatever else you're doing -  shut down Facebook, turn off your text notifications and other "dumb phone" brain cell killers - grab your favorite beverage and give yourself 10 minutes of uninterrupted time to read this letter. 

Because it could change your children's future. And yours.

I'm Andy Lockwood, best selling author of four college planning books, including How to Pay "Wholesale" for College, founder of Lockwood College Prep in Long Island, New York and a college advisor for almost 20 years. 

One of our specialties is helping "Forgotten Middle Class" families  - who think they can't qualify for any college financial assistance - obtain tuition discounts of 25-50% or more, so they can comfortably afford to send their kids to the colleges they deserve.

I'm featured regularly on local, national and international television and other media for my college expertise (e.g. Wall St Journal, Fox News, CBS).

I'm not telling you this brag.  And - to be blunt - I too would be skeptical about a claim like "this could change your life," because it sounds too good to be true.

But if you bear with me and read what I have to say here, I'll prove to you that I'm NOT exaggerating, or wasting your time.

It’s no secret, college costs have SKYROCKETED to insane levels over the past 30 years, and, if you’re realistic, there’s no relief in sight (sorry, Bernie and Elizabeth!).

Student loan levels have eclipsed 1.6 Trillion and counting, defaults are on the rise and 50% of college grads from two years ago STILL don’t have a job that requires a college degree!

Colleges act like they’re on your side, but don’t count on them for help. They are businesses, and want as much of your money as they can get their hands on, so they can build new dorms with flat panel TVs, construct Lazy Rivers and pay their presidents seven-figure salaries, among other “necessary” budget line items!

Likewise, don’t expect the government to step in on your behalf: student loan interest and fees totaled $66 Billion, according to the Government Accountability Office. That’s more of a profit than most Fortune 100 companies make!

CPAs and accountants? Forget it. Also extremely UN-likely to assist you, they’re too busy trying to keep up with voluminous amounts of tax law changes to be able to devote any extra time to master the convoluted, non-common sense, punitive financial aid regulations.

I say “punitive” because the financial aid system PUNISHES responsible families who earn a living, pay their bills and live below their means, and don’t have a clue about how to level the playing field.

Last, and most disappointing, guidance counselors are woefully untrained in this area too, not to mention outnumbered (the average ratio of child to counselor is more than 400:1, nationally.

Pretty bleak, isn’t it? But hopeless?

Strange Facts About Who REALLY Gets Financial Aid

Don’t throw in the towel just yet. Consider these little-known, surprising facts:

  • Most financial and merit aid gets awarded to parents in the top 25% of income, which I call “Forgotten Middle Class” families.
  • At any given college, roughly 25% of families pay Full Boat, subsidizing approximately 75%. Which group would you rather be in (don’t answer that, it’s a rhetorical question)?
  • The AVERAGE tuition discount at a private college in the United States is now 52.4%, according to the National Association of Collegiate Business Officers. So many expensive colleges are cutting deals - paying full price is an OPTION, not an obligation!

Let me put it to you like this: Paying for college is like taking a flight from New York to Los Angeles, packed with 300 passengers who EACH PAID A DIFFERENT FARE.  

In other words, you’re all going to the SAME destination, but some passengers paid more than you (congrats!), while others paid LESS (grrrrrr!).

How does this happen?

What Do They Know That YOU Don't?

It all boils down to one thing:

Unlocking the “Rules of the Game.”

Crack the code of The Rules and you will be ushered into the College Endowment Vault, by way of engineering a WINDFALL of fat, juicy scholarships and grants to pay for college.

Or, ignore The Rules at your own peril.  

But before you bury your head in the sand, my advice is to picture how it would feel when you burst the bubble of your deserving child, who worked their tail off to somehow earn acceptance into their “Dream College”...

...but THEN, after the excitement fades, you’re forced to quietly confide...

“Sorry, I just can’t afford it.”

If your child does her part, how will you hold up your end of the bargain?

Many parents tell me how guilty and ashamed they are that they didn't put enough away to afford their kids' tuition.  Not to mention the stress and strain from fighting with their spouse and teen.

But what if there were a way to avoid all this?  To get your hands on the grants and scholarships you need - and deserve?

How do YOU Crack the Code?

Here's two examples.  (You might find these to be a little weird in a letter about financial aid but bear with me.) 

Back when Barack Obama and Mitt Romney were running for president, word got out that Romney paid an effective 14% tax rate, which was almost half of what Obama paid.  

Yet, Romney out earned Obama by multiple millions of dollars!  How did this happen?

Fast forward to Trump vs. Hillary. Same issue: Hillary accuses Trump of hiding his returns because he doesn’t want the world to know how little he paid in taxes.  

Trump’s response:

“That makes me smart.”

Look, you can love or hate Trump, Hillary, Romney or Obama. But you should at least wonder how Romney and Trump managed to slash their tax bills, legally (let’s assume that for the sake of argument).

They relied on two little, powerful words:

Specialized Knowledge

I’m sure Romney paid his legal and accounting advisors well into the six figures for their advice.

That sounds like a lot of dough…

...except when you realize that ol' Mitt - a brilliant, wildly successful businessman, received a benefit of MILLIONS of dollars in reduced taxes.  (I won’t speculate what went on inside Trump Tower until all indictments are in.)

Here’s my point:  Romney didn’t look at his legal and accounting bills as EXPENSES, rather, they were INVESTMENTS that paid off in an amount GREATER than his initial outlay. 

Romney and all successful businessmen and women understand the concept of ROI (Return on Investment) when it comes to hiring experts to help them.

That, in a nutshell, is the bedrock of our firm, Lockwood College Prep.

If we've become known for anything in the past 10+ years, , it's this:  you give us X, we return you a MULTIPLE of X in terms of grants, scholarships and other financial aid.

Before I tell you about how we could potentially help you, I want to address one thing that you may be thinking - the sleeping elephant in the room:

It’s NOT Your Fault

Look, if you’re feeling sheepish or overwhelmed about needing money for college, not knowing where to start or whom to listen to, I’m here to tell you, parent-to-parent, that you shouldn’t.  

Because the odds are stacked against you and millions of other families applying to college!

I already told you why colleges, the Department of Education, accountants and guidance counselors are useless in this area.  If you doubt me, take a look at what the bureaucrats consider to be the “simplified view” of how financial aid works - hopefully you have a strong stomach:

Blech!  And this mess is for the “easier” financial aid form, the FAFSA. The CSS Profile is twice as long, and 10 times as difficult as the FAFSA!

I Learned the Hard Way, So You Don’t Have To

I don’t talk about this often, but in a weird way this crazy college advising career of mine FOUND ME, not the other way around.

Back in the 1980’s, I graduated from high school in the Boston suburbs and attended the fourth most expensive college in the country at the time (thank you very much), Wesleyan University in Connecticut, mostly because I liked the basketball coach who told me that I could be “one of his guys” if I applied there. (Yes. Great reason.)

My dad, a super-smart Yale and Columbia man and a do-it-yourselfer type, handled all the financial aid paperwork himself.  Before I was born, he was a globetrotting photojournalist who achieved fame by covering and writing about Castro’s revolution in Cuba and the Vietnam War.  After I came along, he developed a disability (diabetes) and was unable to earn steady income from that point forward.

I remember seeing all of the paperwork spread out in his basement office, knowing my tuition was past due, and asking whether I could help move things along.

His answer was always a little snippy and dismissive, “No.  It’s complicated. Don’t worry, it will all work out.” didn’t exactly “work out,” because between college and law school I racked up more than $100,000 of debt, which led to all kinds of credit issues, stress, and anxiety that I had no remedy for.

Do you know what it's like to dodge calls from credit card phone companies? Or to be told "You need a co-signor" over and over for a rental or mortgage application because your credit score is in the toilet? 

It felt hopeless.

I Wish My Dad Had a "Me" Back Then

The irony was that, as a low-income, disabled artist my father could have qualified for SO MUCH more financial aid than we actually received, and I wouldn’t have had to bartend 7 days a week after I graduated college to put a dent into my loans.   

But back then there weren’t any financial aid experts around.   And I’m not sure that my stubborn, determined dad would have hired one anyway.

Fast forward to the present - my wife/business partner Pearl and I have four - NOT camera shy - kids of our own, and have sworn a blood oath that they will NEVER go through anything remotely like what I endured.  

Which - not coincidentally - is also EXACTLY what I want for you and each of the thousands of families I talk to each year. 


Revealed! Everything You Need to Get The Maximum Grants and Merit Aid You Need...and Deserve...So You Can Comfortably Afford to Send Your Children to the Colleges They Worked Their Butts Off to Get Into!

19+ years of "insider" college money-getting tips, tactics and strategies, bundled up with a bow on it - easy and entertaining video lessons on how to pay "wholesale" for college (even if you think you can't possibly qualify for anything)

The Instant College Funding System 2.0 walks you through EVERYTHING you need to know in order to qualify for the maximum amount of grants, scholarships and other financial aid...

...So you can comfortably afford to send your child to his "Dream College," instead of tossing and turning at night over borrowing up to your eyeballs, robbing your retirement or being forced to eat mac 'n cheese every night!

This system is our flagship, premium program, developed more than four years ago, that represents the codification of our 19+ years advising parents of college-bound teens, in one, comprehensive but easy-to-digest-course.

Here’s what you get when you say “Yes” to Instant College Funding:

Buried Strategies, Loopholes and Landmines

Discover how to triple your eligibility for grants and scholarships.  Video trainings, easy to use checklists and more, highlighting the ACTUAL places on the financial aid forms where money-losing, dangerous “landmines” lurk, and cost-cutting “loophole” opportunities present themselves


Negotiation Strategies, Tactics & Examples

Comprehensive, easy-to-implement training on all possible arguments to make to the financial aid office after they "stiff" you, including case studies that you can model when you roll up your sleeves and attempt to pry some more dough from the cold, bony fingers of the stingy financial aid officer at your college!  We’ve helped clients improve their “final” offers by $5,000, $23,000, $25,000, $35,000, even more than $50,000, so this is another example of one little feature of ICF that could pay off for you big-time, all by itself!

How to Avoid Deadly Unforced Errors


It’s super easy to miss deadlines, mix up what information belongs where, ignore follow-up requests from colleges or the Department of Education, and more. The problem is that any one of these harmless “admin” errors could, quite literally, cost you THOUSANDS. Even tens of thousands. We’ll show you how to bullet proof yourself from this form of self-sabotage.




I need to tell you about one more thing...

I left out the most important feature, one that’s impossible to put a price on:

Peace of mind.

You’ll finally sleep like a baby at night (remember what that feels like?), knowing that you’ve brought true experts into your corner, and that you won’t make any costly, self-sabotaging mistakes.

You'll have confidence that, when your son or daughter GETS IN to the college they've been dreaming of, you will be able to send them where they belong, without breaking a sweat!

Can you imagine what that would feel like?

Before you jump in on The Instant College Funding System, I want to tell you about some extra, extremely valuable - but time-sensitive - bonuses that I just know will absolutely delight you:

“Early Action" Bonuses Worth $1,091

Available for a limited time, for action takers only - any one of these bonuses is worth the investment in The Instant College Funding System, many times over!

Critique & Review Gift Certificate

Let us eyeball your FAFSA and/or CSS Profile BEFORE you submit it, to catch any glaring errors that can rob you of financial aid, or point out any overlooked opportunities to get your mitts on more grants and scholarships!  Value: $495

Sample Letters & Scripts That Worked

Sent to financial aid offices to improve initial, stingy offers, editable in MS Word.  Each produced more than $16,000 in improved offers, one, more than $30,000...PER YEAR. Value: $97 (this is an arbitrary number)

Fast Start Strategy Session

For the first 12 to enroll, "fast forward" your results via a complimentary phone consultation to ensure that you're going down the right path with ICF and using it in the most time-efficient manner possible for your personal circumstances.  MUST BE BOOKED WITHIN 30 DAYS OF ENROLLMENT. Value: $499

OK, Andy, I see the value of your system, what’s it take to get in?

Let’s talk turkey.   My 1-on-1 private college advising clients regularly pay between $6,500 - $15,000, or more, for very much the same advice contained in The Instant College Funding System.

We’re able to command these fees because of the VALUE of our specialized knowledge, and the life-changing results our clients achieve from working with us.

Of course we’re NOT going to ask for anything close to that amount, because the whole point of why Pearl and I created this system was to make our college cost-cutting information and advice more accessible to more people.

Although, to be perfectly frank, we could justify a $5,000 or $10,000 price - because if you were to get just one teeny-tiny little tip from our training that results in a $5,000 annual scholarship, or $20,000 over four years, you would make a 200-400% Return on Investment.  

Try finding that on Wall Street!

But we’re not asking for 10K. 
Or $5,000..

...or even half of $5,000, even though my personal accountant told me that I was crazy not to.  

Here’s the deal we’re offering today, despite his “price-shaming” of me:

TOTAL VALUE OF SYSTEM & Bonuses: $11,091

Your Investment Today:  Only $997


Or 6 Monthly "EZ" Payments of 183.33

Email me at [email protected] or call 516-882-5464 if you have any questions. I read all of my emails and I will respond personally.

100% Money-Back, No-Hassle Guarantee

The Instant College Funding System is completely and utterly guaranteed - because we get such amazing results for our clients, day in, day out that I’m more than willing to put my money where my mouth is - I just know that you’ll LOVE our flagship product and have no hesitation in issuing this bold guarantee!

You can test-drive ICF for 90 days - that's three full months - to make absolutely certain that it's right for you.

During those three months, if for any reason - even no reason at all! - you feel that ICF isn't what you had hoped for, just tell us and we will promptly and cheerfully refund 100% of your money. You are sole judge and jury, nobody will attempt to change your mind. Just email us.

My goal is to help 10,000 families avoid crushing college debt and financial strain.  That's why I created ICF...

...and why I'll bend over backwards and do anything to get this into your hands.

Is my system worth 997?  YES.

Is there any risk to you when you enroll?  NO!

I've helped hundreds of families just like you afford college, and want to do the same for. you.  

I'm dead certain that you'll love it, and I can't wait to read your email testimonial!, telling me how much aid you received!

But, if for some reason - even no reason - you decide ICF isn't for you, you can just email us and we'll promptly send back 100% of what you paid.  No hassles, no hard feelings.

By the way, this guarantee is another thing that my accountant told me I was nuts to do, because he felt that some people would buy, use the information and unfairly refund to “beat” us for the advice. I trust that you’re not like this, but I realize that some people aren’t decent or ethical. We’ve just decided to live with it instead of letting it bother us, that’s how important it is for us to help you.

Plain and simple, that's why there are no fine print "weasel clauses" or other lawyerly verbiage in our guarantee. We're “walking the walk” because we know that you'll absolutely love and get tremendous value from The Instant College Funding System 2.0

The "Catch"

There IS one catch (were you waiting for one?) - we reserve the right to remove these bonuses - especially the Fast Start Strategy Session - at any time, depending on our workload.   This is a marketing test and I may not offer it after we shut down enrollment.

One More No-Brainer, 'FAST ACTON" Bonus (this is a biggie)

OK, I've actually overlooked something important.

Most of this letter has been focused on PAYING for college, which is critical.  But, naturally you’d agree that it's equally important that your child has the best shot of GETTING IN where they want to go.

And there’s just one little problem most families discover too late: the MOST GENEROUS COLLEGES tend to be the HARDEST to get into!

That’s why I felt that I’d be remiss if I focused Instant College Funding ONLY on financial aid, because there’s more to the picture.  

Where you get in directly affects how much you’ll pay.   Financial aid and admissions are intertwined. 


That’s why, if you move ahead with your trial offer today, I’m happy to gift you - with no strings attached - a unique product that normally sells for $297:  our “College Admissions Master Class.”

This course features several, unique and valuable “insider” lessons on what it REALLY takes to get into a top college.

You won’t get this advice from your guidance counselor, if she even knows your name (the average ratio of student to counselor is a gigantic 400:1), or your English teacher, who, to be blunt, has NO IDEA what goes on inside the Admissions Committee room when they read essays and applications.

The “College Admissions Master Class” includes a treasure trove of amazing lessons, many of which were derived from interviews with my business partners and contacts built up over 19+ years in college advising:

If you're one of the first 50 to enroll in Instant College Funding, you'll qualify for this valuable, "Fast Action" bonus, because I want to reward you for taking fast, decisive, "Early" action.

Here's what's inside this bonus:

The College Scandal and You

Extended interview with Don Betterton, former 30-year member of the Princeton University Admissions Committee, about how the recent college admissions scandal affects your child and advice on how to navigate today’s new, highly scrutinized college admissions landscape

The Common Application Essay

Eliminate stress and confusion! Extended interview with an admissions officer at the University of Chicago, who evaluated 1,000 applications per year, each application containing four-to-six supplemental essays.  You’ll discover EXACTLY what they hope you write about, and what they DON’T want to see. We went through each essay prompt - this is invaluable as you make your “Closing Argument” to your admissions offices about why they should pick YOU!

Activities Section/Resume Advice

How to craft a perfect Activities section of the Common Application and stand out against a “sea of sameness” when 10,000, 20,000 even 50,000 or more of your competitors have the same GPAs and SAT/ACT scores


Or 6 Monthly "EZ" Payments of 183.33

In a few short months, picture this...

Can you imagine what it will look like when your child rips open that fat envelope or email from her Dream College, and hear her shriek with joy when she reads that she managed to get in?

You’ll ALL remember that forever.  That’s why we’re including The College Admissions Master Class, 100% free with my compliments and no obligation, if you enroll in the Instant College Funding System today.

Let me be frank:  the price of NOT taking action

I want you to understand the consequences of NOT moving forward with your risk-free membership.  It could take on a few different, unpleasant forms - here's some of them:

  • Saddling your child with crushing student debt
  • Saddling YOURSELF with crushing parent debt
  • Mortgaging your home up to the eyeballs
  • Mortgaging your house up to the eyeballs
  • Having to let your son or daughter down by confessing, quietly, "Sorry, I just can't afford to send you where you deserve to go.  You did your part to get in, but I failed at mine."

I hope you don't let this opportunity slip through your fingers.


When you enroll in The Instant College Funding System, you’ll get: 
  • Insider Instruction on Buried Strategies, Loopholes and Landmines to Multiply Eligibility For Financial Aid - you'll know EXACTLY where and how the colleges and federal government is  looking to "trap" you....and how to take advantage of key - legal - exemptions  so you get more aid
  • Fun Financial Aid Forms Facts - 23+ videos highlighting the ACTUAL places on the financial aid forms where money-losing dangers lurk, and cost-cutting “loophole” opportunities present themselves . (This is the ONLY course on the planet to demonstrate this, to my knowledge)
  • Negotiation Tactics & Examples - how to get more money from the financial aid office after a lousy award, including case studies and sample letters of appeal to model (see below, this is a huge time savings...and probably ALONE worth the price of this course, many times over)
  • Scholarships - the truth about websites, organizations and other sources of funding -  and how to optimize your search and avoid wasting hours of your life that you'll never get back going down the scholarship rabbit hole
  • How to Avoid Deadly Unforced Errors.  Never blow a deadline or commit a deadly, unforced “admin” error that could cost you THOUSANDS. We’ll show you how to bullet proof yourself from this form of self-sabotage.
Total value of system: $10,000
Plus, when you sign up now, you’ll get these valuable bonuses worth $1,091 (at the low end):
  • Critique & Review Certificate - we will review your FAFSA and/or CSS Profile BEFORE you submit it, to catch any glaring errors that can rob you of financial aid, or point out any overlooked opportunities to get your mitts on more grants and scholarships!  Value: $495
  • Sample Letters That Worked - sent to financial aid offices to improve initial, stingy offers, editable in MS Word.  Each produced more than $16,000 in improved offers. Value: $97
  • Fast Start Strategy Session for the first 12 to enroll, complimentary phone consultation to ensure that you're going down the right path with ICF and using it in the most time-efficient manner possible for your personal circumstances.  MUST BE BOOKED WITHIN 30 DAYS OF ENROLLMENT.
    Value: $499
Of course we can’t guarantee results, because there’s a ton of factors out of our control, such as your colleges’ budgets, where your child gets in, your child’s grades, SAT or ACT scores, extracurricular activities and more. 
However, please remember that ANY ONE of Instant College Funding’s bonuses or features can, quite literally, produce a WINDFALL of scholarships or grants worth many times the investment we’re asking for on a trial, no-risk basis.
And finally, when you say “Yes” today, you’ll also get access to our "College Admissions Master Class”, valued at $297, to give your child a literal “Insider,” unfair advantage over his or her competitor-applicants.
Value of system:  >$10,000
Value of ALL bonuses:  $1,388


Your Investment Today:  $997


Frequently Asked Questions

Do I make too much money to qualify?   This may seem counter-intuitive, but there is no magic “ceiling” in the financial aid rules that prevents you from qualifying.  That’s because 1., There are 77 or more factors considered in the financial aid formulas (which take up more than 1,100 pages of regulations) including income, which is certainly important.  2., financial aid officers have discretion to consider OTHER, MITIGATING factors beyond what goes on the forms, which is covered in the Appeals/Negotiation module of our course.

Is this course overly technical and hard to understand?  No, mostly because I am not overly technical and am relatively understandable.  I tried to make the content helpful and valuable, but also enjoyable and even occasionally entertaining, which is a tall order given how dry the subject matter is.  This is not a boring textbook stuck online, promise!

Can i do the financial aid applications on my own, I heard they were straightforward. Actually, if you’re the do-it-yourself type (e.g. you file your own tax returns and do your own plumbing repairs), you certainly could.  All I can tell you is that we have, any given year, a dozen or so active clients who are in the accounting and financial advising profession, who decided that it wasn’t worth the risk or their time to buckle down and attempt to master the 1,100 pages of nonsensical rules and regulations underpinning the financial aid forms.  

Can you guarantee that I’ll receive a full ride?  I cannot guarantee any specific result, mostly because it’s unethical and because there are numerous factors out of our control, such as where your child applies, his academic credentials, who else is applying to that school, and more.  

HOWEVER, we offer a 90-day SATISFACTION guarantee, which is actually much better, because you don’t have to prove results (or lack thereof).  You and you alone get to decide whether Instant College Funding delivered on its promise.  It’s that open and broad because I know - from years of feedback from clients - that our methods and techniques produce RESULTS.

How long do I have access to the class?  Lifetime (yours, not mine. ;)  And, I update the course when needed, which seems to be annually, lately, with all the rules changes. 

What if I decide I need more one-on-one help with applying for financial aid or the college applications?  If we have capacity, we’ll be happy to chat and try to work something out.  (I say “if we have capacity” because one of the driving forces that led me to create ICF was that I was hitting a wall re: capacity to take on clients.)

Okie dokie, that should do it!  Sign up now, and you'll feel less stressed immediately and feel GREAT that you took a huge step toward ensuring your child's future success in college...and beyond!

If you have any questions about the above or anything else, just shoot us an email  - [email protected] and I will personally get back to you!

Otherwise, I can't wait to see you inside Instant College Funding!

Houston Mom/Entrepreneur Gets Max FAFSA

Andy Lockwood saved us a lot of money.  Both my sons got large scholarships and max FAFSA. Hire him!  He is an expert!

-Melanie Johnson, Houston, TX

Long Beach Man Wonders, "Is it all a scam?"

Andy is so disarming and nonchalant about his capabilities that one has to wonder if it's all a scam!

My son is going to a top school (GW) on monies he received totally from Andrew's involvement.  He looked me in the eye when I asked him what his success rate was and replied without hesitation, "I get my clients 5 times the amount of their investment with me.

HE WASN'T KIDDING!!!  Best money I ever spent.

-Scott Sanders, Long Beach, NY

Superintendent Lauds "Real Results" From Working with Lockwood

I know a lot of college planners who promise results but don't deliver.  In your case, I got real results. Other parents thank me for recommending you.

- Dr. Dennis O'Hara

Superintendent, Hauppauge NY School District

College Advisor Feels Weight Lifted From Shoulders

From the moment I walked into your office, I felt an enormous weight lifted off my shoulders.

Thank you for all that you have done for my precious girls.

Beth Sova, Houston, Texas

Girl Gets Presidential Scholarships from "Dream School"

Nicole is at her dream school, got her Presidential Scholarship - $25K! 

Thank you for all your help.  I always recommend you to my friends. You and your team played a great role during that painful process.  

Thank god it's over lol!

- Elina Kazakevich, Staten Island NY

Lockwood Helps Mom Fix FAFSA Problems, Appeal to UAlbany

Dear Andy,

I wanted to thank you for all the help you have given me regarding my son Robert's financial planning for college.

You were an enormous help when I had problems with the FAFSA and eventually the appeal to SUNY Albany.

Your professionalism and patience is what makes you and your business so successful.

I am going to recommend you to all my friends so they can put their mind at ease and not have to worry about undertaking this daunting process alone!


Sabrina Ferrara, Hauppauge, NY

Former Mayor Recommends Lockwood

Dear Mr. Lockwood

I am writing this letter to recommend your services to any parent that has a son or daughter approaching college. We received guidance for career choices, college selection and obtained financial aid advice.

The financial aid award we received was much greater than we had envisioned.

Mr. Lockwood is knowledgeable, professional and very accommodating to work with.

Please consult with him

Very truly yours,

Douglas P. Johnson, Esq, Davie, Florida

Former Mayor, Oakland Park. Florida

Businessman Saves $10K Per Year

I used to literally get chills and practically hyperventilate when I thought about sending my daughter to college.

Pearl and Andy saved me $10,000 per year and took away all of my stress!

Michael Levy

Owner, Minuteman Press - Levittown, NY

Garden City Attorney Gets $20,000 Windfall from Providence College

Andy wrote one letter that got us an extra $20,000 from my daughter's college. We were expecting nothing!

-Paul McDougal, Esq.

Garden City, NY

Port Washington Business Owner Gets $30,058 from U.S.C....After its So-Called "Final" Offer

Andy and Pearl helped me negotiate a ton of money (Editor’s note: $30,058 for one year - but why split hairs?) for my daughter at U.S.C.

Rick Ritacco - Owner of Wings Plus, Port Washington

Mom Worries When Her Friends Get No Financial Aid - Then, THIS Happened...

When my friends started telling me that they received nothing in financial assistance, I once again began to worry. But then our packages started coming from Ithaca, University of Albany, Syracuse and the best yet Boston University.

My friend said "I can't understand how you received so much in assistance, while I got NOTHING, and I even had the FAFSA people fill out the forms.

Is she crazy? Why would the people who are giving you the money want to help you fill out the forms?

So all I can say is "Thank you Andy!" You made this whole process so easy, less stressful, and dare I say downright fun.  Thank goodness you know all the loopholes. You are the best! Guess we'll be seeing each other for the next 4 years.

Very truly yours,

Stephanie and Rob Salzbank

Port Washington, New York

Jericho Dad Sends Son, Daughter to Notre Dame, Villanova for "Wholesale" Prices

Thank you Pearl and Andy for helping my kids get into Villanova and Notre Dame - for “wholesale” prices!

-John Gallagher, Jericho NY

1-PAY 997 (Best Deal)


6 Monthly "EZ" Payments of 183.33


Who is Instant College Funding for?

Any parent who is stressed out about paying for college at the 11th hour and feels guilty that they’re not doing their part for their deserving children (don’t worry, that’s what we’re here for!)

Business owners who want to learn about the key, unique “loopholes” applicable only to them

Divorced or separated families who have questions about who should file, what to do if the ex-spouse won’t cooperate and more

High-income parents who want to show financial strength to give their children an edge in admissions  - and, counter-intuitively, greater likelihood of merit scholarships. (Hint:  that's most colleges these days)

Any parent whose children are applying to colleges that require financial aid applications in order to be considered for MERIT aid (NYU, Fordham, UMASS are three that come to mind, but there is no list, and colleges change their policies frequently).

Anyone honest enough to admit they can’t answer the question, “What’s your plan to pay for college?”

CPAs and other financial professionals who want a better understanding of the financial aid regulations so that they can serve their clients better

Guidance counselors who aren’t hung up about their egos and genuinely care about their students and their own personal and professional growth

High school administrators who realize that they’re unable to provide this type of quality advice in their district (contact us for group pricing/fundraising/donation program info)

And, finally, anyone with any of these questions:

  • Is the 529 College Savings Plan good or bad?
  • What are the deadlines to file for financial aid?
  • What are the biggest mistakes parents make in financial aid, and how can we avoid them?
  • Did my CPA or “Financial Guy” give me bad advice when he told me to save money for college in my childrens’ names?
  • What can we do at the 11th hour if we saved in the wrong places?
  • Do colleges negotiate?  How can I get more financial aid or merit aid above and beyond their original (crappy) offer?
  • If I own a home, will that destroy my chances of getting anything?
  • If I have unusual or different circumstances that don’t fit in the “boxes” of the financial aid forms, how do I explain this to the financial aid office?
  • What happens next year, do I have to re-apply all over again (like the movie “Groundhog Day”)? 
  • What’s the deal with student loans?  What are the best ways to borrow - i.e. have the lowest interest rates and fees?
  • And many, many more questions that you might not even think of in your wildest dreams/nightmares :)

If this feels like it makes sense to you, your next move is to grab this opportunity and jump in!

Join Today - RISK FREE

6 Monthly "EZ" Payments of 183.33

Questions about whether Instant College Funding is right for you? Email me at: [email protected] or call 516-882-5464. I will get back to you!



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