Student Loan Forgiveness Scam
CONFIRMED THREAT
Scammers promise fast loan forgiveness for upfront fees. Legitimate forgiveness programs (PSLF, IDR) are free to apply for.
phoneemailsms+1
→2 confirmed active threats
🏦Financial Service Scams
Financial scams promise debt relief for upfront fees. Student loan scammers charge for free government programs. Legitimate forgiveness is free at StudentAid.gov. Advanced fee scams caused $102M in 2024.
$102Min reported losses, 2024(IC3)7 097 complaints
2
Patterns Documented
2
Confirmed Threats
0
High Risk
$16.6B
Reported Losses, 2024 (IC3)
Data sourced from FBI IC3 2024 Annual Report. Data reflects complaints submitted to the FBI Internet Crime Complaint Center (IC3) and may not represent all incidents. ZeroScam is an educational tool and is not affiliated with the FBI.
Filter by Category
Clear filter ×All Patterns (85)₿ Cryptocurrency Scams(4)$6.6B💳 Payment & BEC Scams(9)$2.8B💻 Tech Support Scams(5)$1.5B🔓 Personal Data Breach(2)$1.5B🛒 Online Purchase Scams(5)💔 Romance Scams(3)🏛️ Government Impersonation(6)🏢 Corporate Data Breach(3)💼 Job & Employment Scams(6)🏧 Crypto ATM & Kiosk Scams(3)🥇 Gold Courier Scams(2)🪪 Identity Theft(3)🏠 Rental Scams(2)🔒 Extortion & Blackmail(1)🎰 Prize & Lottery Scams(1)🎣 Phishing & Smishing(3)📦 Delivery & Shipping Scams(4)🎭 Impersonation Scams(4)🤖 AI-Powered Scams(5)📱 Social Media Scams(2)📞 Telemarketing Scams(1)🏥 Healthcare Scams(1)🏦 Financial Service Scams(2)🔧 Service Provider Scams(2)🎗️ Charity Scams(1)🗳️ Election & Civic Scams(2)🧬 Synthetic Identity Fraud(2)🔄 Recovery Scams(1)
Threat Levels
CONFIRMED THREAT— Actively reported to FBI IC3
HIGH RISK— Significant victim reports
EMERGING— Recently identified pattern
Common Questions About Financial Service Scams
Are student loan forgiveness companies legit?▼
Mostly no. Legitimate programs are free at StudentAid.gov. Companies charging fees are scams.
Should I pay for debt relief?▼
Be cautious. Many charge high fees and deliver little. Never pay large upfront fees. Check BBB and state AG.
How do advance fee loan scams work?▼
Promise guaranteed loans but require upfront fees. After you pay, more fees or they disappear.
Should I give my FSA login to a company?▼
Never. No legitimate service needs your credentials. Apply directly at StudentAid.gov.
📖 How to Use This Database
- ✓Browse patterns to learn scammer tactics before you encounter them
- ✓Share specific pattern pages with family members who may be targeted
- ✓Use our scanner to check suspicious messages against all 85 patterns
- ✓Report scams to FBI IC3 and FTC using links on each pattern page
⚖️ Important Information
This database is provided for educational and informational purposes only. Pattern data is derived from publicly available FBI IC3 reports and ongoing research.
ZeroScam does not guarantee detection of all scams. Always exercise caution and verify independently before sending money or personal information.
Not legal or financial advice. If you have been victimized, contact local law enforcement and file reports with FBI IC3 and FTC.
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73% of Americans report being targeted(Pew Research, 2025 survey)
|$470M reported in text-related fraud(FTC, 2024)
|$16.6B in total reported losses(FBI IC3, 2024)