“There are levels of shadiness to what they are offering. When you’re robocalling people and offering them a great student loan financing rate, there’s no fine print that you can send people over the phone,” Porter said. “There’s certainly a gray area there. It might be a legitimate agency, but the offer itself might not be as good as it sounds.”
RoboKiller isn’t able to track where the scams are coming from or how the scammers target which phone numbers to call. Most scammers use caller ID spoofing to mask their true phone number. The Department of Education has warned borrowers about scammers in official messaging about student debt forgiveness. In the automated debt relief application confirmation emails, the department tells borrowers to beware of scams and lists three official email addresses that borrowers may receive legitimate emails from. The same message is posted on the studentaid.gov website.
A Reddit user that posted on r/Scams detailed a scam their partner fell for two months ago that asked for four $200 payments in return for partial loan forgiveness and a $10 per month repayment rate for the remainder of their loans. Another user described falling for a scam in September after they received a letter in the mail detailing their exact loan balance.
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