Even with student loan payments suspended until the end of August, the scammers aren’t giving up.

They reach out to college graduates, promising a loan forgiveness program that most people won’t qualify for. Or they assure you that they can destroy your loans by disputing them. But you should know that they can’t put you into a rebate program you don’t qualify for or cancel your loans.

Here’s what you need to know if you have student loans.

There are specific federal loan relief programs. The Civil Service Loan Forgiveness Program and the Teacher Loan Forgiveness Program are two common programs. If you receive a call from a scammer offering to help you repay your loans, hang up and contact your loan service or the Department of Education directly.

And remember, do not share your Federal Student Aid ID. Some scammers claim they need it to help you, but they use this information to steal your identity.

Finally, you don’t need to pay for help. There’s nothing a company can do for you that you can’t do for free.

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If you have any concerns about resuming payments in August, contact your loan officer.

And if the government decided to extend the loan forgiveness, that information would come directly from the Department of Education – not from a random caller, text or email. It has been reported that President Joe Biden plans to provide $10,000 in student debt relief for those earning less than $150,000. The final plan and when it will be announced are still unclear.