This is the Ramsey Call of the Day, part of the Ramsey Network.

So, George, the scams are up.

I'm seeing on this article that our producer James handed us on the dad-blame student loans.

The Federal Trade Commission's warning about an increase in these

scams. Yeah, this is bad. And of course, they're preying on people's confusion, and people

are getting stressed about student loan pause being unpaused. And so they're saying the federal

government put federal student loan payments on pause during the pandemic. With that pause

expiring, people are anxious and the scammers are swooping in. They're promising

to reduce payments or even cancel student debt entirely if you give them your credit card

number. They use social media, text messages, phone calls, and the scripts are convincing. Some of them

even sound like they're coming from the government. Hi, this is Shea with SLA servicing. We're in the

process of pre-enrollment for all loan

forgiveness. It's going to be a bit more challenging as deadlines come, and so we'll need your credit

card to be able to get this done. You'd be a great scammer, Dave. I'll tell you what. This is crazy.

You got the radio voice on to do that, right? There we go. So this is coming. So I want to give people some quick tips and tools to avoid getting scammed. Number one,

if a student loan servicer calls you, it's probably a scam.

Generally, these companies are not calling you.

They've got better things to do. So some red flags

you got to look out for if they're asking you for your username and

password, if they're asking you for banking

information, if you've already given your payment information, call your bank, put a hold on that

account immediately so they can't get any more money. You can report all of this stuff to the

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