The experts behind Yesterday's Debt

Pearl Lockwood, J.D.


Pearl Chizner Lockwood is the co-founder of Lockwood College Prep and a financial aid and student loan expert. She files financial aid applications for more than 350 people per year. 

Pearl has been featured for her financial aid expertise by CBS News and Newsday.  She is a graduate of Cornell University and St John's Law School, and  a former Assistant District Attorney in Queens, New York.

Andrew Lockwood, J.D.

Andy is a best selling author, public speaker and college advisor who personally  coaches a select group of college-bound teens through the process of choosing majors and careers, then backward planning, strategically, into a college list, THEN strategizing how to maximize chances of admission. 

Andy has been interviewed about college admissions and financial aid topics numerous times over the years, by media such as Fox Business News, The Wall Street Journal, CBS, The New York Post  and even Netflix. 

He is a graduate of Wesleyan University, where he played basketball, and St. John's University School of Law.

Rick Darvis, CPA

Rick is the leading expert in the country in tax and college financial planning. Rick’s knowledge in taxes and college financial planning has earned him invitations to speak on college financial planning and income tax planning to his contemporaries at CPA and CFP® conferences in over 40 states.

He has provided education programs on tax and college planning for many financial service companies around the country, including Manulife, MFS, American Skandia, Franklin Templeton, Eastern Bank, US Bank, Linsco Private Ledger, Securities America, Genworth, Lincoln Financial, UBS, Wachovia, Smith Barney, John Hancock Financial Network, Legg Mason, Edward Jones, and Raymond James.

Rick has been quoted in Forbes, CNN-FN, Newsweek, U.S. News and World Report, Money, Business Week, Kiplinger’s Personal Finance, NY Times, Smart Money, The Wall Street Journal, Bloomberg’s Personal Finance, Nation’s Business, Financial Advisor, Dow Jones Newswire, On Investing, Knight Ridder News, Mutual Fund Market News, Research Magazine, Practical Accountant, Offspring, LIMRA’s Market Facts, NAPFA Advisor, and AICPA’s Planner.

Rick earned his Bachelor’s degree in accounting from the University of Montana.

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