{"success":true,"data":{"id":"fake-student-loan-forgiveness-advance-fee-scam","label":"Fake student loan forgiveness advance-fee scam — student loan forgiveness/relief/discharge program + pay enrollment/processing fee + provide FSA ID/SSN + guarantee approval","description":"Student loan debt relief scams — private companies charge upfront fees ($99–$999) to \"apply\" for federal student loan forgiveness, income-driven repayment (IDR), Public Service Loan Forgiveness (PSLF), or loan discharge programs that are 100% free through studentaid.gov. Victims are told they need a \"loan forgiveness specialist\" to navigate the complex process and pay an \"enrollment fee\" or \"processing fee.\" Some scammers request the victim's FSA ID login credentials to submit applications themselves — using these credentials to redirect future refunds or make unauthorized changes. The FTC issued cease-and-desist orders against hundreds of student debt relief companies 2019–2024. The US Department of Education explicitly states: \"You never have to pay for help with your federal student aid.\" Red flags: upfront fee + provide FSA ID / SSN + guarantee forgiveness.","tier":"danger","category":"scam","isThin":false}}