Student loan scams are proliferating as borrowers face shifting repayment rules and reduced enforcement attention, according to reporting based on expert interviews. Fraudulent offers—often promising large-scale forgiveness for a fee—frequently use phishing-like tactics, including requests for student loan account passwords or verification codes, with the goal of locking borrowers out or changing portal access without consent. Experts cited in the reporting warn against high-pressure enrollment tactics and promises that legitimate entities cannot deliver, while noting that some companies may operate legally but still charge for tasks borrowers can complete themselves. The reporting ties scam growth to borrower confusion, including a changing federal oversight landscape as the Trump administration reduces oversight of student loan systems. It also notes that the repayment resumption after pandemic relief created new vulnerability points for scams targeting the roughly 40 million U.S. adults with student debt.