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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. — Nearly 90 friends in the Tampa, Fla., area are betting big on their Mega Millions chances Tuesday.The group pooled together their money to purchase 11,000 tickets from a Ybor City neighborhood market, according to The Tampa Bay Times.And it's not the first time the group has gone in together for the prize either.The group has already reportedly spent ,000 on Mega Millions tickets, and rolled over winnings of ,224, according to the paper.Ryan McGuinness, who purchased the tickets, told the Times, "Everybody is back in."The group is hoping those past winnings pay off with Tuesday's drawing for the .6 billion jackpot. With a lump sum option of 5 million, divide that by 90 and each is walking away with at least million — before taxes.Not a bad chunk of change if you're willing to wait for all those tickets to be printed.If no one wins the Mega Millions jackpot yet again Tuesday, that pot could grow to an estimated  billion for Friday's drawing. 1015

The affected Ben & Jerry’s Coconut Seven Layer Bar bulk product is sold in a tub containing 2.4 gallons with a Consumer UPC of 076840104246 and best by date of SEP1520BJ4. The affected Ben & Jerry’s Chunky Monkey pint is sold in a pint tub (473 mL) with a Consumer UPC of 076840100354 and best by dates of AUG2820BH2, AUG2920BH2, or AUG3020BH2. 360

TALLAHASSEE, Fla. — Attorneys for a former state health employee whose home was raided earlier this month have filed a lawsuit against the Florida Department of Law Enforcement, saying the Dec. 7 execution of a search warrant "was a sham to punish" her for not altering COVID-19 data.The 19-page lawsuit, filed Sunday in Leon County court, is seeking damages and a jury trial on behalf of Rebekah Jones."They entered her home with guns drawn, terrorizing her family," attorneys for Jones said in the lawsuit against the FDLE and Commissioner Rick Swearingen.The lawsuit alleges that Jones' "termination from the Florida Department of Health after refusing to falsify data generated a great deal of media coverage, much to the dismay of the state."In the hours after the raid, Jones posted a 31-second video clip on her Twitter account that showed her opening the door as agents made their way inside with their guns drawn. Jones claimed that they pointed a gun at her and her children. 993

Stormy Daniels' attorney Michael Avenatti has filed a motion in federal court seeking to depose President Donald Trump and his lawyer Michael Cohen to ask about a 0,000 payout before the 2016 election.In the motion filed in federal court in California, Avenatti requested to depose both Trump and Cohen, who was added this week as a defendant in the lawsuit, for "no greater than two hours."The request also asked for "targeted requests for the production of documents directed to Mr. Trump and Mr. Cohen on various topics relating to the hush agreement." 566