Chad Cargill's Story & Our Team

About Chad Cargill

Chad Cargill is the founder of Cargill Consulting and one of the nation’s most experienced ACT prep experts.

As a high school freshman, Chad realized that a high ACT score was his ticket to college scholarships and to his dream school, Oklahoma State University.

Where It Started

From 19 to 32

Determined to master the test, Chad took the ACT an extraordinary 18 times, raising his score 13 points into the 99.5th percentile. His dramatic improvement came not from endless studying, but from truly understanding what the ACT tests and how it works.
Chad Cargill Teaching in a Classroom
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The First Workshop

Helping Students Nationwide

What began as Chad returning to his old high school to share what he had learned quickly grew into something much bigger. Students’ scores soared, word spread, and soon schools across the country were inviting him to speak.

Now in his 35th year of teaching this workshop, Chad has personally taught more than 200,000 students nationwide. He continues to travel throughout the school year, helping students reach their score goals and earn life-changing scholarships.

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The Turning Point

Education and Career

A graduate of Oklahoma State University with a B.S. in Industrial Engineering and Management, Chad spent five years as a manufacturing planning engineer at Lucent Technologies in Oklahoma City before devoting himself full-time to helping students succeed.
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Outside the Classroom

Beyond Test Prep

In addition to test prep, Chad is the founder and president of Echo Replay, the nation’s leading sideline replay company for high school and college sports (Echo-Replay.com).

In his spare time, he works the family orchard at Smith Ferry Farm (SmithFerryFarm.com).

THE STORY

Family and Adoption

Chad and his wife Shellie are the proud parents of eight children: Camden, Cayce, Creed, Clarity, Cai, Carli, Crosby, and Cat.

Creed and Clarity were adopted from the Democratic Republic of Congo; Cai, Carli, and Crosby from Uganda; and Cat through frozen embryo adoption (EmbryoDonation.org).

Chad is deeply passionate about adoption, orphan care, and missions both at home and abroad. He loves spending time with his children and grandchildren.

To book Chad for your school, request a workshop or call (405) 454-3233. You can also listen to his insights on the ACT and college scholarships through past episodes of his podcast.

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The Impact

The Scale

Chad Cargill Leads ACT Workshop

Career totals:

  • 35th year of teaching this workshop
  • More than 200,000 students have attended

The workshop:

  • 3-hour student workshop
  • 2-hour faculty workshop
  • Same workshop, proven results
The Approach

The Philosophy

Chad's entire workshop is built on what he learned taking the ACT 18 times. Not theory. Not what test prep companies think works. What actually works.

Two Powerful Insights

  • On Sacrifice

    "A little sacrifice now is a lot of reward later. No sacrifice now is a lot of flipping burgers later."
  • On Scholarships

    "If you spend 10 hours in high school filling out scholarship applications that require no essays, you can complete about 40 applications by cutting and pasting from your resume. If you win one $800 scholarship from those 40 applications, you just got paid $80 an hour tax free. That's like 90-100 an hour on a regular job."
This is why the ACT matters. Not because it defines intelligence. But because it unlocks scholarships.
BEHIND THE SCENES

The Team Behind the Work

Chad doesn't do this alone. For over 20 years, two dedicated people have been instrumental in helping him scale his impact from one high school to thousands of students across the country.

Penny Loch - VP of Operations

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Penny has been with Cargill Consulting since 2004–22 years. She oversees all business operations, coordinates with schools, manages logistics, and ensures every student has a seamless experience.

When you book a workshop with Chad, Penny is the person behind the scenes making sure everything runs perfectly. She coordinates with counselors, manages workshop logistics, and handles the relationships that keep schools coming back year after year.

Her 22 years with the organization represent something important: stability. This isn't a fly-by-night operation. The same core team has been helping students for over two decades. When you work with Cargill Consulting, you're working with people genuinely invested in your success.

Shane Cowherd - Technology Director

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Shane graduated from Oklahoma State University with a degree in Management Information Systems and joined Cargill Consulting in 2006 20 years ago.

While Chad teaches the strategies and Penny handles operations, Shane manages the technology infrastructure that makes everything possible. He oversees the website, online academy platform, workshop scheduling systems, student dashboards, and all the backend systems that allow us to reach and serve thousands of students.

In the early days, Chad gave workshops one school at a time. To scale impact, the organization needed to build technology that could reach students beyond what physical workshops alone could do. Shane was instrumental in building the online academy a platform that lets students learn at their own pace, with video lessons, practice tests, progress tracking, and community support.

Every time you sign up for the online academy, every time a school books a workshop through our calendar, every payment processed for Chad's prep book that's Shane's work behind the scenes. He's built systems that are secure, fast, and reliable enough to serve thousands of students.

Shane's technical expertise transformed what could have remained a "one-man operation" into a scalable organization that has helped more than 200,000 students without sacrificing the personal touch or proven results.

THE DIFFERENCE THAT MATTERS

Why This Model Works

Most test prep organizations choose one of two paths: massive corporations with high overhead and unknown instructors, or solo operators who can't scale beyond their personal bandwidth.

Cargill Consulting is different.

Chad still creates the curriculum and gives the workshops. He hasn't been replaced by franchisees or corporate trainers. But he's built a team that allows him to reach far more students than he ever could alone.

Penny handles operations and has built trust with counselors across the country who return year after year because they know Chad delivers results.

Shane built the technology platform that lets students access Chad's strategies online, on their own schedule, with the same quality as live workshops.

The result: founder-led, team-supported, proven at scale.

35 years. More than 200,000 students. Same quality. Same results.

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