These questions are all justified Paul. In the past, I’ve named names on scammers, but I’m unable to do that anymore.

If you are struggling to identify if a student loan offer is a scam, I’ve put together this collection of tips and guidance for evaluating a potential student loan scam.

As for government officials, I think they have actually gotten much better at shutting down student loan scams. Ten years ago when I started this site, there were more scams out there and the FTC and other agencies were very slow to respond. That said, they don’t — and can’t — move as fast a scammers do. When a new “company” pops up, they can’t immediately shut it down even if it looks like a scam. Tracking them down and prosecuting takes time.

If you have a question about a specific company or offer, feel free to reach out via email, and I’m happy to share my 2 cents.

Hell⁦o⁦⁦ ⁦my ⁦n⁦⁦⁦a⁦m⁦⁦e⁦⁦ i⁦s ⁦⁦R⁦a⁦imo⁦⁦n⁦⁦do⁦⁦⁦ ⁦Tr⁦u⁦s⁦s⁦, W⁦⁦⁦⁦e ⁦t⁦r⁦ie⁦d⁦ ⁦to c⁦⁦on⁦t⁦⁦a⁦⁦c⁦t⁦ ⁦y⁦ou⁦ ⁦⁦⁦⁦a⁦t ⁦yo⁦u⁦r⁦ ⁦home a⁦n⁦⁦⁦⁦d did⁦⁦ n⁦ot ⁦⁦h⁦e⁦a⁦r⁦⁦ ⁦⁦ba⁦c⁦k⁦.⁦ ⁦It l⁦o⁦o⁦k⁦s⁦⁦ ⁦⁦⁦⁦l⁦⁦⁦i⁦k⁦⁦⁦e⁦⁦ y⁦o⁦⁦⁦⁦ur⁦⁦⁦ S⁦⁦t⁦⁦⁦⁦u⁦d⁦⁦⁦en⁦t⁦-⁦Lo⁦⁦⁦⁦an ⁦⁦m⁦a⁦⁦⁦y ⁦⁦be⁦ ⁦⁦e⁦⁦⁦li⁦g⁦ib⁦l⁦e⁦ ⁦fo⁦⁦⁦r⁦ th⁦e⁦ ⁦re⁦c⁦e⁦⁦⁦⁦⁦n⁦t ⁦⁦s⁦⁦t⁦imu⁦l⁦u⁦s⁦ ⁦forg⁦ivene⁦ss an⁦d⁦ ⁦⁦re⁦l⁦⁦i⁦e⁦⁦f ⁦l⁦e⁦⁦gi⁦sl⁦⁦⁦⁦ation ⁦(⁦C⁦ar⁦⁦⁦e⁦s ⁦Ac⁦t)⁦⁦,⁦⁦ ⁦h⁦⁦⁦o⁦w⁦eve⁦r⁦ ⁦⁦yo⁦u⁦r⁦ ap⁦p⁦l⁦⁦⁦i⁦c⁦⁦⁦⁦⁦atio⁦n d⁦⁦oe⁦s⁦ ⁦n⁦e⁦e⁦⁦⁦d⁦ t⁦o b⁦e ⁦⁦c⁦o⁦m⁦plet⁦⁦e⁦⁦d⁦.⁦ ⁦T⁦h⁦i⁦s a⁦pplies⁦⁦ ⁦to all ⁦l⁦⁦⁦o⁦an ⁦⁦⁦sta⁦t⁦⁦⁦u⁦ses inc⁦⁦luding⁦⁦ ⁦t⁦h⁦ose ⁦l⁦oan⁦s⁦ in⁦⁦⁦ de⁦f⁦au⁦lt⁦⁦⁦ ⁦a⁦⁦n⁦⁦⁦⁦d⁦⁦⁦⁦ ⁦g⁦⁦a⁦r⁦⁦⁦n⁦⁦is⁦hm⁦⁦⁦e⁦n⁦t.⁦ ⁦I⁦f⁦ y⁦ou ⁦⁦⁦co⁦ul⁦d⁦⁦⁦ ⁦⁦p⁦⁦l⁦e⁦⁦⁦a⁦s⁦e ⁦⁦g⁦i⁦⁦v⁦e yo⁦⁦u⁦⁦r⁦ ded⁦⁦icated⁦⁦⁦ el⁦⁦⁦⁦i⁦g⁦⁦i⁦⁦bil⁦i⁦ty ⁦l⁦⁦in⁦⁦e⁦ ⁦a⁦⁦⁦ ⁦ca⁦ll at⁦: 8‎55-‎7‎52-0883 ⁦a⁦nd⁦ ⁦w⁦e can⁦⁦ ⁦⁦⁦h⁦a⁦v⁦e ⁦th⁦i⁦s⁦⁦ ⁦a⁦⁦⁦ppl⁦i⁦⁦ed ⁦⁦⁦i⁦m⁦m⁦e⁦⁦d⁦⁦⁦iatel⁦y⁦⁦.⁦ ⁦P⁦l⁦⁦⁦e⁦⁦a⁦⁦s⁦e⁦ b⁦⁦⁦e⁦⁦ a⁦w⁦are⁦⁦ t⁦⁦h⁦a⁦t ⁦⁦th⁦⁦ese⁦ ⁦b⁦⁦e⁦⁦ne⁦fi⁦⁦t⁦⁦s come⁦ on⁦ ⁦a⁦ ⁦⁦f⁦i⁦r⁦⁦s⁦t⁦ ⁦c⁦o⁦m⁦e ⁦f⁦i⁦r⁦⁦st⁦⁦ ⁦serve ba⁦s⁦⁦is⁦ ⁦t⁦h⁦o⁦⁦ug⁦h⁦. Pl⁦ea⁦⁦s⁦⁦e⁦ ⁦mak⁦⁦e⁦⁦ s⁦u⁦r⁦e⁦ ⁦⁦⁦to ⁦p⁦r⁦o⁦⁦v⁦⁦id⁦e ⁦y⁦⁦ou⁦r ⁦⁦p⁦er⁦so⁦n⁦a⁦⁦l ⁦⁦v⁦al⁦i⁦⁦d⁦at⁦i⁦o⁦⁦n⁦⁦⁦ ⁦⁦⁦c⁦ode⁦⁦ #⁦⁦1⁦⁦06⁦⁦42.⁦ ⁦O⁦u⁦⁦r ⁦o⁦ff⁦ice⁦ h⁦⁦ou⁦rs⁦ ⁦⁦⁦a⁦⁦⁦r⁦⁦e 8⁦a⁦⁦m-⁦5⁦⁦p⁦m (⁦⁦P⁦⁦ST⁦⁦⁦)⁦ ⁦⁦M⁦⁦onda⁦⁦y⁦-⁦Fr⁦id⁦a⁦y. ⁦T⁦ha⁦n⁦⁦k ⁦⁦Y⁦⁦o⁦u, ⁦⁦R⁦⁦aimo⁦n⁦⁦⁦d⁦o⁦⁦ ⁦T⁦r⁦u⁦ss

This was my exact email too…Here is the majority of the email copy and pasted below.. total scam!

” ‌‌H‌e‌l‌‌‌l‌‌o‌ m‌y‌ ‌na‌me‌‌‌ i‌‌‌s ‌A‌u‌r‌t‌‌h‌‌u‌r‌ ‌M‌i‌‌d‌‌h‌‌e‌t‌,‌‌‌‌ W‌e‌ t‌r‌i‌e‌d‌ ‌‌t‌‌o c‌‌on‌‌‌t‌‌a‌‌‌‌‌‌‌c‌t‌‌‌‌‌ ‌yo‌‌‌‌u‌‌ ‌at‌ ‌‌y‌o‌‌u‌‌‌r‌ ‌‌h‌o‌m‌‌e‌ ‌‌‌a‌n‌‌d‌‌‌ ‌d‌‌i‌‌d‌‌ ‌n‌ot‌ ‌‌he‌ar‌‌‌ ‌b‌a‌c‌‌k‌‌.‌‌ ‌‌I‌‌t lo‌o‌‌k‌‌s‌ li‌‌‌k‌‌e‌‌‌ ‌y‌‌o‌‌u‌r‌‌‌‌‌ S‌‌‌‌t‌u‌d‌‌‌‌e‌‌‌n‌‌‌t‌-L‌‌‌‌o‌a‌‌n‌‌‌‌ ‌m‌‌ay‌ ‌‌b‌‌e‌‌‌ e‌‌‌l‌‌‌‌i‌g‌i‌‌‌‌b‌l‌‌e ‌f‌‌o‌r‌‌‌‌ ‌‌‌t‌h‌e‌ ‌r‌e‌‌‌c‌‌e‌‌‌nt‌‌ ‌s‌‌t‌i‌m‌‌u‌‌l‌‌‌‌u‌s‌‌‌‌ f‌‌‌or‌‌‌g‌i‌‌v‌‌‌e‌‌n‌e‌s‌‌s ‌an‌‌d‌‌ ‌‌re‌‌l‌i‌e‌‌‌f ‌‌leg‌‌‌‌‌isl‌‌at‌‌io‌‌‌‌‌n ‌(‌‌‌Ca‌r‌‌‌e‌s‌‌‌ ‌‌A‌‌‌c‌‌‌‌t‌‌‌)‌‌,‌‌‌ ho‌‌wev‌e‌‌‌‌r ‌‌y‌o‌‌‌u‌‌‌r‌‌ ‌a‌‌‌‌p‌‌‌pl‌i‌c‌‌a‌‌‌‌t‌‌‌‌io‌‌‌‌n ‌‌d‌‌o‌‌es‌‌ ‌n‌e‌‌e‌d‌‌‌ ‌‌t‌o‌‌ ‌‌‌‌b‌‌‌e‌‌‌‌‌ ‌‌‌c‌o‌m‌‌p‌l‌e‌te‌‌‌d‌.‌‌‌ ‌‌‌T‌h‌‌‌‌‌‌i‌s‌‌ ‌‌a‌‌‌‌p‌‌‌p‌li‌e‌s‌‌ ‌‌‌‌t‌‌o‌‌ ‌a‌‌l‌l‌‌‌ ‌‌l‌‌o‌‌‌a‌‌n ‌st‌‌‌‌‌at‌‌us‌es‌ ‌‌inc‌‌l‌u‌‌‌‌d‌‌‌i‌‌‌ng‌ ‌‌t‌h‌‌‌o‌‌s‌e‌‌ ‌l‌‌oan‌‌‌‌s‌ ‌‌i‌‌n ‌‌‌d‌‌ef‌a‌u‌‌‌l‌‌t‌ a‌‌n‌‌d‌‌‌ ‌‌ga‌‌‌‌r‌‌nis‌‌h‌‌‌‌m‌‌e‌n‌‌‌t‌‌‌.‌‌‌ ‌‌I‌f‌‌ yo‌u‌‌ ‌c‌o‌‌u‌‌‌l‌‌‌d‌‌ ‌‌p‌‌l‌e‌‌a‌s‌e‌‌ g‌ive‌‌ y‌‌o‌u‌r‌‌ ‌‌‌‌‌d‌‌‌e‌‌d‌i‌ca‌‌‌t‌‌e‌‌‌‌d el‌‌‌i‌g‌i‌‌b‌‌i‌‌l‌‌‌i‌‌ty‌‌ l‌‌‌‌i‌‌‌n‌‌‌‌‌‌e‌ ‌‌‌‌a ‌c‌‌‌a‌ll‌ ‌‌a‌t: 88‎8.344‎‎.4771 ‌‌‌a‌‌‌‌n‌d‌ ‌‌w‌‌e‌ ‌‌‌‌c‌‌‌a‌n‌ ‌‌‌‌h‌a‌v‌e ‌‌‌‌‌‌‌t‌hi‌‌s‌‌ ‌‌a‌p‌‌‌p‌‌l‌‌i‌‌‌‌e‌‌‌d‌ ‌‌‌i‌m‌m‌‌e‌‌‌d‌‌i‌‌a‌‌‌‌t‌‌‌e‌ly‌‌‌‌‌.‌ ‌‌‌P‌‌l‌e‌‌‌a‌‌s‌‌e‌‌ ‌‌b‌e‌‌‌ ‌‌‌‌‌‌‌a‌w‌ar‌e ‌‌‌t‌‌‌h‌‌‌at‌‌ ‌‌the‌s‌‌‌e b‌e‌n‌‌e‌‌‌‌‌fi‌‌‌‌t‌s ‌c‌o‌m‌e‌ ‌‌on‌ ‌a‌ ‌‌‌fi‌‌rs‌t ‌‌co‌m‌e‌‌ ‌‌f‌i‌‌rs‌‌t ‌‌‌‌s‌‌e‌‌rv‌‌‌‌‌e‌‌‌‌‌‌‌ ‌‌‌b‌‌as‌i‌‌s ‌t‌‌h‌‌‌oug‌‌h‌.‌ ‌‌P‌‌‌l‌‌e‌a‌‌s‌e ‌‌m‌‌a‌k‌‌‌e‌ ‌‌su‌re ‌‌t‌o‌‌ p‌r‌o‌vi‌‌d‌‌e‌ ‌‌‌y‌‌o‌ur‌‌‌ ‌‌pers‌‌‌on‌a‌l‌‌ ‌‌v‌‌a‌‌l‌‌‌‌i‌‌d‌‌‌a‌t‌‌‌i‌‌o‌n cod‌e‌‌ #‌‌2‌‌‌5‌‌07‌‌‌‌3‌‌‌.‌‌ ‌‌‌‌Ou‌‌‌‌r‌ ‌o‌‌ff‌‌ic‌‌e‌ ‌‌‌‌h‌‌‌‌o‌u‌‌r‌‌‌s‌‌‌ ‌‌a‌‌‌r‌‌e‌ ‌‌‌8‌‌a‌m‌‌-‌5‌‌‌p‌m ‌‌(‌‌PS‌T‌‌)‌ ‌‌‌M‌‌on‌‌d‌‌‌a‌‌y‌‌-‌‌‌F‌ri‌‌d‌a‌y‌‌‌‌.‌ ‌‌‌‌T‌‌‌han‌k‌‌‌‌ ‌Y‌‌‌‌o‌‌‌u‌,‌ ‌‌A‌‌urt‌‌‌‌h‌u‌‌‌r‌‌ ‌‌‌‌M‌‌‌‌i‌d‌h‌‌et”

hopefully there has been any victims…

Scammers may you rot in hell

I’m not surprised to hear that. So many people have student loans that they just call and email every number and address that they have.