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5 Ways to Spot a Student Loan Scam 4. 'The New Obama Student Loan Relief Program' Both Cohen and Ribe cited this one. You may have even seen ads for it online. They say something like, "'By consolidating you can qualify for the Obama Loan Forgiveness Program' there is no Obama Loan Forgiveness Program," Cohen said. Falling for this one may mean you pay a fee or you end up "consolidating" into a loan with murky terms and a high interest rate all for a program that doesn't exist. Also watch out for companies claiming to be affiliated with the government or the Education Department only student loan servicers and debt collectors work directly with the government.

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