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’Tis the season for student loan scam calls

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If you have a federal student loan, you probably already know that the Coronavirus emergency relief program that has paused your payments is ending. Repayments will begin again after May 1, 2022. Scammers know it, too, and are looking for ways to take advantage: they’re calling, texting, and e-mailing to try to use any confusion around restarting your student loan payments to steal your money and personal information.

Check out what some of these scam calls sound like.

If you get a call, text, e-mail, or message on social media from someone about your federal student loan, here are some things to keep in mind:

  • Never pay an upfront fee. It’s illegal for companies to charge you before they help you. If you pay up front to reduce or get rid of your student loan debt, you might not get any help — or your money back. Also, remember that there’s nothing a company can do for you that you can’t do yourself for free. And you never have to pay to get help from the Department of Education.
  • Never give out your Federal Student Aid ID, your Social Security number, or other personal information to anyone who contacts you. Scammers posing as student loan servicers can use this information to log into your account, change your contact information, and even divert your payments to them. Instead of giving out your FSA ID, call or contact your servicer.
  • Don’t sign up for quick loan forgiveness. Scammers might say they can get rid of your loans before they know the details of your situation. Or they might promise a loan forgiveness program — that most people won’t qualify for. They might even say they’ll wipe out your loans by disputing them. But they can’t.
  • Scammers use fake seals and logos to lure people in. They promise special access to repayment plans, new federal loan consolidations, or loan forgiveness programs. It’s a lie. If you have federal loans, go to the Department of Education directly at

If a scammer contacts you, report it at

Updated January 6, 2022 with new information about how payment flexibilities for federal student loan borrowers have been extended through May 1, 2022.

Scam Tags:  Avoiding Scams


I have to check with department of Ed, but I have not had a student loan in more than 10 years. Thank you for any information you get on scams

I get these EVERY DAY along with 14 other robocallers with scams! OUTRAGEOUS they start at 5AM~ IM SO SICK OF THESE CALLS.
WHY cant the FCC/FTC do SOMETHING about these harassing calls? Its starting to effect the mental health of our NATION! IT MUST STOP or Give us SOMETHING so we can STOP THEM! ESP LAND LINES~

Received phone call that went directly to voice mail stating the my student loan (which I do not have!) forgiveness application is incomplete and to call 833---,---- to speak to a counselor and to "complete" the form (obviously, looking for personal information!).

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