Student loan scam calls are a growing concern, with fraudsters targeting borrowers with promises of debt relief or forgiveness. These unsolicited calls can lead to identity theft, financial loss, and unnecessary stress. Fortunately, several apps are designed to help you block these unwanted calls and safeguard your personal information.
What Are Student Loan Scam Calls?
Student loan scam calls are fraudulent communications from individuals or companies claiming to offer assistance with student loan forgiveness, consolidation, or reduction. They often request personal information or upfront fees, which is a red flag. The U.S. Department of Education warns borrowers to be cautious of unsolicited calls offering such services. (oig.ed.gov)
How Can Apps Help Block Scam Calls?
Call-blocking apps utilize databases of known scam numbers and advanced algorithms to identify and block unwanted calls. By installing these apps, you can significantly reduce the number of scam calls you receive.
Top Apps to Block Student Loan Scam Calls
- Robokiller
Robokiller uses AI-powered call screening to answer calls and waste scammers’ time. It blocks 99% of robocalls and can even waste scammers' time with AI "Answer Bots". The service costs $4.99 per month or $39.99 per year. (parade.com)
- Truecaller
Truecaller has a large database of known spammers and telemarketers that it uses to identify and block unwanted calls. It offers features like real-time caller ID, spam call auto-block, and fraud detection alerts. The app is free for basic features. (callwave.com)
- Hiya
Hiya is designed specifically to protect from spam calls. It blocks fraud calls and alerts you to suspicious numbers. The app is free for basic features, with a paid premium version offering enhanced spam protection. (callwave.com)
- Nomorobo
Nomorobo is an award-winning service that won the FTC's Robocall Challenge in 2013. It stops robocalls and telemarketing spam, with real-time scam call database updates. The service is free for landlines and $1.99 per month for mobile devices. (moneytalksnews.com)
- YouMail
YouMail combines voicemail, caller ID, and spam blocking. It protects your voicemail from spam and hacking attempts and works on both iOS and Android. (blog.youmail.com)
How to Choose the Right App for You
When selecting a call-blocking app, consider the following factors:
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Features: Look for apps that offer real-time caller ID, spam call blocking, and fraud detection alerts.
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Cost: Some apps offer free versions with basic features, while others require a subscription for premium features.
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Compatibility: Ensure the app is compatible with your device's operating system (iOS or Android).
Additional Tips to Protect Yourself
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Register with the National Do Not Call Registry: This free service allows you to opt out of receiving unsolicited calls from legitimate telemarketers. (whocalledus.net)
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Be Cautious with Personal Information: Never share personal or financial information over the phone unless you're certain of the caller's identity.
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Report Scam Calls: If you receive a scam call, report it to the Federal Trade Commission (FTC) to help protect others.
By utilizing these apps and following these tips, you can significantly reduce the number of student loan scam calls you receive and protect your personal information.
Highlights:
- U.S. Department of Education, Published on Saturday, November 29
- UNITED STATES DEPARTMENT OF EDUCATION, Published on Wednesday, February 25
