Date Posted: 
Monday, November 7, 2022

The Department of Education (ED)’s application for federal student loan debt relief is now open and, of course, scammers are trying to get your money and personal information.  Luckily, there are ways to stop them. 

The following do's and don'ts will help you protect yourself from scammers.


  • Don't pay anyone who contacts you with promises of debt relief or loan forgiveness. You do not need to pay anyone to obtain debt relief. The application will be free and easy to use when it opens in October.
  • Don't reveal your FSA ID or account information or password to anyone who contacts you. The Department of Education and your federal student loan servicer will never call or email you asking for this information.
  • Don't ever give personal or financial information to an unfamiliar caller. When in doubt, hang up and call your student loan servicer directly. You can find your federal student loan servicer’s contact information at  
  • Don't refinance your federal student loans unless you know the risks. If you refinance federal student loans that are eligible for debt relief into a private loan, you will lose out on important benefits like one-time debt relief and flexible repayment plans for federal loans.


  • Sign up at to be notified when the Student Loan Debt Relief application becomes available.
  • Create an FSA ID at You will not need it for the debt relief application but having an FSA ID can allow you to easily access accurate information on your loan and make sure FSA can contact you directly, helping you equip yourself against scammers trying to contact you. Log in to your current account on and keep your contact info up to date. If you need help logging in follow these tips on accessing your account.
  • Make sure your loan servicer has your most current contact information. If you don’t know who your servicer is, you can log into and see your servicer(s) in your account.
  • Report scammers to the Federal Trade Commission by visiting