Student loan forgiveness scam — fake DoE/debt-relief company + upfront fee or FSA ID harvest
student-loan-forgiveness-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
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.
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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