Student loan forgiveness scam：手法、警示信号与应对

Payment fraud · médio

Companies or messages pose as an "official program" and promise immediate, total cancellation of student debt for an upfront or monthly fee. They use official-looking logos and seals, urgent language ("act now before the program ends") and often ask for your StudentAid.gov username and password.

The US Department of Education states its forgiveness programs are always free, that most require years of qualifying payments, and that it and its partners will never ask for your password. Legitimate emails come only from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov or ed.gov@public.govdelivery.com, and texts only from 227722 or 51592.

Sinais / Signs

A promise of immediate, total loan cancellation
Upfront or monthly fees
A request for your StudentAid.gov login or password
Urgency such as "the program is ending"
Sloppy writing and a sender outside the official addresses

Prevenção / Prevention

Remember: federal forgiveness programs are free
Never share your StudentAid.gov password
Check the sender against the official addresses and short codes
Deal directly with your servicer or on StudentAid.gov
Check the Better Business Bureau for complaints about the company

O que fazer / What to do

Change your StudentAid.gov password and check your email, address and phone on file
Ask your servicer to revoke any authorization given to the company
Ask your bank or card issuer to stop payments to the scammer
File complaints with StudentAid.gov, the FTC and the CFPB

FAQ

Do I need to pay to apply for forgiveness?

No. The Department of Education says its loan forgiveness programs are always free.

Can the Department ask for my password?

No. The Department and its partners will never ask for your password; a login request is a red flag.

Federal Student Aid - How To Avoid Student Loan Forgiveness Scams