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Student Loan Scams

Scammers will try anything to fool college students into parting with their money. Don’t get hooked! Here’s what you need to know about three popular student loan scams.

1.) Student loan forgiveness scam

In this scam, a student loan debt company will contact you offering to forgive your student loan for a fee.

Sounds like a dream? Unfortunately, it’s more like a nightmare. No student loan company would completely forgive your loan, even for a fee. You’ve just been targeted by a scam.

This scam attempts authenticity by sounding like Public Service Loan Forgiveness, a legitimate federal government program for public servants with federal student loans. If you fall for the scam, you’ll still need to pay off your loan, plus you’ll lose the money you shelled out for the “fee.”

2) Student loan consolidation scam

In this scenario, a student loan company will promise to consolidate your loans and lower your monthly payments, all for a fee.

Here’s your clue that this is a scam: Though some institutions can refinance student loans, only the federal government has the power to consolidate it. And they’ll do it for free.

If you’re looking to consolidate your student loans, check out Studentloans.gov. 

3.) Student loan tax scam

In this con, a scammer will spoof the IRS’s toll-free number, claiming the student owes thousands of dollars for a “federal student loan tax.” The scammer will demand immediate payment upon threat of arrest or a lawsuit. They’ll also insist on a specific method of payment, like a wire transfer.

Here’s the deal on this scam: The “federal student loan tax” does not exist. Also, the IRS will never contact you by phone without first notifying you via mail, and they won’t demand payment over the phone or insist on a specific payment method.

If you’re targeted

If you’re targeted by a student loan scam, don’t engage with the scammer. Hang up as soon as you recognize it and delete any suspicious emails that land in your inbox.

Next, bring the scam to the attention of the authorities. File a complaint with the FTC at ftc.gov, alert local law enforcement agencies and report any tax-related scams at IRS.gov.

Finally, be sure to warn your friends about a circulating scam.

More Fun in the Sun with a Visionary FCU Platinum Rewards Visa!

 

As you gear up for summertime, many Visionary FCU members are looking for warm-weather activities that will keep their families busy and smiling from June through September. However, fun in the sun often comes with a hefty price tag, from beach vacations to summer camps and swim clubs to graduation celebrations and day trips, and even backyard maintenance.

 

If you’re looking to plan an exciting and memorable summer activity line-up, you may also be looking for a smart way to fund it. Visionary FCU can help you manage these seasonal expenses with an affordable credit card. In addition to superior everyday interest rates on our Visa, Visionary FCU also offers a great rewards program - you can now earn points for every dollar you spend. That’s right...we reward you for using your card!

 

Our Platinum Rewards Visa lets you earn points on your purchases (1 point for every $1 spent), redeemable toward travel, merchandise, downloadable media, non-profit donations and more.

 

  • In addition, a Visionary FCU Platinum Rewards Visa is a great value, with:

  • No annual fee

  • No balance transfer fee

  • No cash advance fee

  • No penalty rate

  • Low 10.90% Interest Rate

 

So, here’s to less stress and more good times this summer - start using that Visionary FCU Platinum Rewards Visa in your wallet. Or, visit www.visionaryfcu.org to apply for your Visa today and get rewarded for having tons of fun in the sun!

 

Tap! Snap! Deposit! Introducing Remote Deposit Capture
Remote Deposit Capture is a service that allows you to easily deposit checks*, anytime and anywhere, using the camera on your iPhone or Android and your Touch Banking app. The funds are deposited into the account you select**, safely and securely. Please contact a MSR at 412-221-6660 for all the details and to take advantage of this great new service! (*/** Some restrictions apply)
Apply for a Loan Online!
We've made the loan application process even easier! Just click the "Loan Application" link to the left and you will be taken to our safe and secure online loan application. Simply apply for the loan that best meets your needs online and follow up by faxing us your two most recent paystubs to 412-221-3414. We like to make borrowing money as easy as possible.

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