Articles

Avoiding scams

The patterns worth recognising, and the things no legitimate organisation will ask you for.

What this topic covers

  • A fee to file a free form
  • A guaranteed award, or a figure before you apply
  • A request for your federal aid account credentials
  • An official-sounding name that is not the agency

A fee to file a free form

The FAFSA costs nothing to file, correct or re-file. Any service charging to submit it is charging for something you can do yourself at no cost at studentaid.gov. Some of them are legal; none of them are necessary.

The same applies to 'application assistance' priced as a subscription. Read carefully what is actually being sold before paying for anything in this area.

A guaranteed award, or a figure before you apply

Nobody can tell you what you will receive before you have applied, because eligibility is decided by the programme and by the school against information you have not yet submitted. A guarantee is the clearest single sign that something is wrong.

That includes a specific figure presented as yours. A range published by a programme is information; a number attached to your name before you applied is not.

A request for your federal aid account credentials

No legitimate organisation needs your federal student aid username or password. Anyone with them can alter your application and redirect money.

Nobody should ever have them but you. If a service says it needs them to help, that is the end of the conversation.

An official-sounding name that is not the agency

Names that resemble a government department, seals that resemble an official one, and urgency about a deadline that is not real are the common dressing. The actual agency does not cold-call offering to secure you a grant for a fee.

When in doubt, go to studentaid.gov directly rather than through a link you were sent, and ring your school's aid office.

studentaid.gov outranks this page. Figures, dates and rules change between academic years. These articles are written to help you read that site and your school's aid pages, not to stand in front of them. Start there.
Nothing here is a determination. We cannot tell you what you qualify for, and no website can. The programme and your school's financial aid office decide that, after you apply.

A question this did not answer?

Send it over. A person reads every message, and if the real answer belongs to your school's aid office we will say so.