{"success":true,"data":{"id":"student-loan-forgiveness-reapp","label":"Fake student loan forgiveness re-application email claiming a court ruling (SAVE plan / IDR) requires resubmission via a link NOT ending in .gov or studentaid.gov — real forgiveness applications are managed solely through studentaid.gov.","description":"Fake student loan forgiveness re-application email claiming a court ruling or regulatory change requires the recipient to resubmit their forgiveness application via a link NOT ending in .gov or studentaid.gov. Context: SAVE plan litigation (8th Circuit 2024-2026), IDR waiver recalculations, PSLF processing backlog, and frequent policy churn create highly credible urgency narratives. \"Due to a recent court ruling, your SAVE plan forgiveness application requires re-submission — re-apply before the deadline to preserve your eligibility.\" Real student loan forgiveness applications are managed exclusively through studentaid.gov (Federal Student Aid, U.S. Department of Education) and official servicers (MOHELA, Nelnet, Aidvantage). Detection: student loan forgiveness/SAVE/PSLF/IDR vocabulary + re-apply/resubmit/court-ruling language + off-brand href (not .gov or .edu) + sender NOT on studentaid.gov/ed.gov/servicer domain + no In-Reply-To + no List-Unsubscribe. Source: GC1-R17; FTC student loan scam advisory 2025; CFPB student loan servicing alerts.","tier":"warning","category":"other","isThin":false}}