{"success":true,"data":{"id":"student-scholarship-disbursement-phish","label":"Fake scholarship administrator or financial aid office claiming a scholarship or financial aid disbursement requires bank account routing number verification before funds are released — credential-harvest and bank-drain fraud targeting students; real disbursements are managed through authenticated institutional financial aid portals, never cold email routing number submission requests.","description":"Fake scholarship committee, financial aid office, or student aid administrator claiming the recipient's scholarship or financial aid disbursement requires verification of their bank account routing number before the funds can be released — credential-harvest and bank-drain fraud targeting students. Real scholarship and financial aid disbursements are managed through the institution's authenticated student financial aid portal (Banner, PeopleSoft, Ellucian, Campus Solutions); routing number and bank account updates are made through the student's authenticated direct deposit settings, never via cold email submission. Distinct from student-loan-forgiveness-reapp (forgiveness reapplication narrative) and student-fafsa-aid-phish (FAFSA verification) — this specifically targets the scholarship / financial aid disbursement / bank routing number collection pretext. Detection: scholarship/financial aid disbursement + verify bank account routing number to receive/release funds vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R26; FTC student financial aid scam advisory 2025; NASFAA student aid fraud alert; FBI IC3 student scholarship disbursement fraud patterns.","tier":"danger","category":"phishing","isThin":false}}