Fake student loan forgiveness / debt relief scam — pre-approved forgiveness + upfront fee or FSA credentials
fake-student-loan-forgiveness-debt-relief-scam
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
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.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits 2,143+ signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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