{"success":true,"data":{"id":"student-loan-forgiveness-scam","label":"Student loan forgiveness scam — fake DoE/debt-relief company + upfront fee or FSA ID harvest","description":"Body contains a student loan forgiveness / debt relief context (federal loan forgiveness program, PSLF, income-driven repayment, \"you qualify for $X in loan cancellation\") PLUS either an upfront fee demand (\"pay a $199 application fee\", \"one-time processing fee to enroll\") or a request for FSA ID / studentaid.gov credentials. Legitimate federal loan forgiveness programs (PSLF, IBR, SAVE) are 100% free to apply for directly on studentaid.gov — no company can charge a fee for something borrowers can do themselves for free. Handing over FSA ID credentials gives attackers control of your entire federal aid account.","tier":"danger","category":"scam","isThin":false}}