Student loans, parent loans, FAFSA changes, college financial aid, and federal loan limits are all about to change—big time.

In this episode of College Coffee Talk, college advisors Andy and Pearl Lockwood break down the hidden student loan changes buried in the federal “Big Beautiful Bill” that could affect millions of families starting with the Class of 2026.

✔ Subsidized loans ending in 2026

✔ New $50K loan caps for students and parents

✔ Why many families will face $70K+ per year in uncovered college costs

✔ The impact on FAFSA, Pell Grants, and the CSS Profile

✔ Why private lending may explode—and what you can do now

✔ Key deadlines and planning strategies for rising juniors and seniors

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #CollegeEssay#CollegeAdmissions #DoubleDeposit #CollegeAdmissions #CollegeDecision #CollegePlanning #EnrollmentMistakes #StudentAdvice #collegeplanning #collegefinancialaid #collegeadvisor

In this episode, Andy Lockwood recounts a recent client meeting that got real—fast. A high-achieving 10th grader wanted to apply to a Top 12 college.

But when Andy reviewed her junior year course load, he gave her the advice no one else had the guts to say: You’re not competitive yet.

✔ Why skipping an AP could cost you an Ivy

✔ What “rigor” actually means to admissions officers

✔ The 60/40 formula elite schools use to evaluate applicants

✔ The extracurricular bar you really need to clear

✔ Why your GPA is just the beginning

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #CollegeEssay#CollegeAdmissions #DoubleDeposit #CollegeAdmissions #CollegeDecision #CollegePlanning #EnrollmentMistakes #StudentAdvice #collegeplanning #collegefinancialaid #collegeadvisor

FAFSA changes, Department of Education cuts, student loan limits, financial aid mistakes—these updates could affect every college-bound family in 2025 and beyond.

In this clip from College Coffee Talk, college advisors Pearl and Andy Lockwood explain how proposed congressional reforms might drastically limit student and parent borrowing.

Plus, what you can do now to boost your chances of receiving merit or need-based aid.

🎓 You’ll learn:

✔ What the new $50,000 lifetime loan cap could mean for your family

✔ Why many middle- and high-income families still qualify for aid

✔ FAFSA vs. CSS Profile: What each school really wants

✔ The #1 mistake that could disqualify you from merit aid

✔ How to pick the right financial aid strategy for your school list

✔ What upcoming Department of Education changes signal for Class of 2026 and beyond

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #CollegeEssay#CollegeAdmissions #DoubleDeposit #CollegeAdmissions #CollegeDecision #CollegePlanning #EnrollmentMistakes #StudentAdvice #collegeplanning #collegefinancialaid #collegeadvisor

Think you make too much to qualify for college financial aid? Think again. In this episode, college advisor Andy Lockwood interviews CPA Rick Darvis to reveal powerful, little-known tax strategies that high-income business owners—especially lawyers, doctors, and entrepreneurs—can use to potentially unlock tens of thousands in financial aid.

✔ The #1 mistake high-income families make on the FAFSA

✔ Why most accountants miss these college tax strategies

✔ Legal ways to reposition assets and income

✔ How business owners can still qualify for need-based aid

✔ What to do now if you have kids heading to college

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

College admissions officers don’t just want perfect GPAs or test scores—they want authenticity, consistency, and leadership. Here’s what really matters in 2025 applications.

In this episode, Pearl and Andy Lockwood unpack:

✔ The “60/40” formula behind Ivy League admissions

✔ How GPA inflation is hurting students

✔ What colleges look for beyond stats

✔ Why fake passion projects hurt more than help

✔ How parents unintentionally sabotage applications

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeApplications #CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #IvyDay #IvyLeague #CollegeRejection #Accepted #CollegeEssay #CollegeApps #FAFSA #CollegeDecisions #comedyshorts #collegebound #WaitlistTips #StudentSuccess #CollegeEssay #collegelife #collegebound2025

FAFSA changes, federal aid reforms, financial aid bills in Congress—families need to understand what these radical proposals mean for college affordability and student loan eligibility.

In this episode of College Coffee Talk, college advisors Pearl and Andy Lockwood explain what’s being proposed in Washington—and why it could completely shift how families plan and pay for college.

🎓 You’ll learn:

✔ What’s changing in the FAFSA formula and Pell Grant eligibility

✔ Why these policies may help some families—and hurt others

✔ What parents of Class of 2025+ need to prepare for

✔ How to stay ahead of the financial aid curve

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeApplications #CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #IvyDay #IvyLeague #CollegeRejection #Accepted #CollegeEssay #CollegeApps #FAFSA #CollegeDecisions #comedyshorts #collegebound #WaitlistTips #StudentSuccess #CollegeEssay #collegelife #collegebound2025

Double deposits, college decisions, admissions policies, financial aid penalties—families need to know what really happens when students commit to two colleges.

Pearl and Andy Lockwood break down the legal, ethical, and financial dangers of double depositing—and why it could backfire for Class of 2025 students and families navigating college admissions.

In this episode:

✔ What double depositing is and why families consider it

✔ Real consequences from colleges if they find out

✔ How it impacts financial aid, enrollment, and credibility

✔ Better decision strategies for uncertain students

📞 Need help with college admissions?

Visit LockwoodCollegePrep.com

#CollegeApplications #CollegeAdmissions #EducationPolicy #FAFSA #FinancialAid #CollegePlanning #StudentLoans #LoanForgiveness #Scholarships #HigherEducation #Parenting #CollegeBound #ClassOf2025 #ACTPrep #SATPrep #Parenting #2025 #DebtRelief #IvyDay #IvyLeague #CollegeRejection #Accepted #CollegeEssay #CollegeApps #FAFSA #CollegeDecisions #comedyshorts #collegebound #WaitlistTips #StudentSuccess #CollegeEssay #collegelife #collegebound2025