"They" Say You Pay THIS Much for College?

Dear Subscriber –

If you’re like most parents of college-bound teens, you have a decent idea about how much college costs…but you’re in the dark about how the financial aid “game” is played.

For example, did you know that the Department of Education has its own way of calculating how much you can afford to pay for college?

And their rules are followed by almost every college in the country, particularly the most expensive ones?  

Yup. Just fill out the FAFSA, hit the “submit” button and Presto! Out spits your Estimated Family Contribution, otherwise known as EFC.

That number is the amount of money that the government – in all of its wisdom and glory –  thinks you can afford to pay for one year of higher education.

Every college in America uses EFC to help figure out how much in grants and scholarships to award…

…or NOT award.

Wondering what your EFC is?  I’ll give you a tool to calculate it.

WARNING – you will probably be very angry, or shocked, at your EFC.  I have yet to meet anyone who thinks this number is fair when they see it the first time.  

The reason?  It’s fatally flawed, particularly against folks who live in affluent areas.

After you calculate your EFC, you are probably going to be very interested in learning how to get that number lower!  Because the lower the EFC, the greater your eligibility for grants and scholarships.

If you’re stressed out and confused about what to do, a great start feeling better is to attend one of my  upcoming workshops..

I’ll teach “inside secrets” about how to get in to the most competitive, prestigious colleges in the country…and how to PAY FOR these colleges without sacrificing your live savings, retirement or filing bankruptcy…even if you think you won’t even qualify for any grants or scholarships.

I know, I know…you’re probably a little skeptical.  I just re-read the last paragraph and have to admit it it seems a little “hype-y”  – even to me.  But it happens to be 100% true. 

But instead of taking my word for it, take a look at some comments from parents, just like you, who attended recent workshops:

Clear explanation of the financial aid process.   – James Morell, Garden City

Informative, funny!  Free comedy show – I enjoyed!   – Leslie Pollach, Dix Hills

Blunt, honest.   – Frank Brecher, Commack

You made a dry subject interesting.   – Katherine Dooley, Huntington

I believe it’s fair to say that most parents feel a lot better – and are able to see a light at the end of the tunnel – after they attend a workshop.  The workshop is f.ree and  there is no “catch” or pressure .  And a must for any parent who feels confused about the process of applying to, and paying for, college today.

Register here:


Space is limited – at certain times of the year we have to struggle to find seats and we go “standing room only.”  So register now!

Your correspondent,

– Andy Lockwood

P.S.  Here’s the link to calculate your EFC. Click on it or cut and paste it into your browser…but don’t expect to like it! 

Most parents are shocked at first, until they learn how to deal with this reality. 


P.P.S.  Once you’re through vomiting, grab a seat at a workshop. You’re guaranteed to feel a lot less queasy after you learn what I have to share with you.  Please brush your teeth prior to coming…


Andrew Lockwood, J.D.
Lockwood College Consulting
497 South Oyster Bay Road
Plainview, New York 11803