{"success":true,"data":{"id":"fake-student-loan-forgiveness-debt-relief-scam","label":"Fake student loan forgiveness / debt relief scam — pre-approved forgiveness + upfront fee or FSA credentials","description":"Email offering pre-approved student loan forgiveness, PSLF enrollment, or debt settlement — requiring an upfront fee ($99–$999+), FSA login credentials, or a Social Security Number to \"process the forgiveness.\" The Department of Education never charges fees for forgiveness programs and never requests login credentials via email. FTC: student loan debt relief scams cost Americans $95M in 2024; victims who paid upfront fees rarely received any services. Legitimate forgiveness programs are free at studentaid.gov.","tier":"danger","category":"scam","isThin":false}}