How to Know a Fake Student Loan Website

Ever wondered how to know a fake student loan website? Many borrowers are desperately seeking solutions online due to America’s student loan debt crisis.

Unfortunately, the internet is filled with fake student loan websites that give misleading information and questionable advice.

It can be challenging to determine which sites are trustworthy and which ones are scams.

This comprehensive guide provides tips on thoroughly evaluating a website to know fake student student loan sites.

Read Also: Student Loan Refinance Rates 

How to Know a Fake Student Loan Website

Here are ten good ways to know a fake student loan website:

1. Verify the Security of the Website

The first thing to assess is whether the website has a secure connection.

Look for “https://” at the beginning of the web address rather than just “http://.” The extra “s” indicates data is being encrypted during transfer.

Secure websites should also have a closed padlock icon in the browser address bar. Lack of https means information is transmitted in plain text. This is a red flag as legitimate companies secure your data.

While on the site, check that all pages maintain a secure connection. Some scam sites use https on the homepage but not the inner pages.

Click around and confirm the padlock and https are present throughout. Avoid entering sensitive data like social security numbers or credit card information on any page lacking encryption.

2. Research the Domain History

Take a close look at the domain name itself. Who owns it, and when was it created? Sites like allow you to look up the domain registration date and history.

Be suspicious if the domain was registered recently, like within the past year. Scam websites often use new domains so they can fly under the radar.

Major companies and organizations generally have domains that have been around for 5-10 years or longer.

You can also research whether the domain has changed ownership several times. Fake sites tend to switch names once exposed but keep using the same web address.

Look for complaints tied to the domain under a previous name.

3. Watch for Odd URLs

The URL can also indicate whether a student loan website is legitimate. Fraudulent sites often try to mimic real domains with slight differences.

Watch for odd prefixes or extra words added to a known organization’s URL. For example, “” is valid, but “” should raise concerns.

Misspellings like “” or additions like “” are red flags.

Evaluate the actual domain name for sequences of numbers or non-sensical phrases. These are signs a scammer is trying to generate multiple redirect URLs to avoid detection.

Stick to sites with real domain names associated with known brands.

4. Check Page Design and Functionality

A scam website may look convincing at first glance but has key design flaws that reveal its true nature. Look closely at elements like images, text, navigation, and forms.

Low-quality stock photos are common on throwaway scam pages. Also, watch for odd text formatting like blocks of centered text, oversized fonts, or hyperlinks with no context.

Links should have descriptive anchor text explaining where they go. Do menu items work properly and lead to functioning inner pages? Buttons should be formatted normally and be manageable and appropriately placed.

Forms should allow you to submit information. Broken functionality is a sign of a shoddy scam site.

Make sure design elements have been updated recently. Outdated copyright dates buried in the footer can indicate an abandoned site now used for scams.

5. Verify Company Information

Perform diligent research to confirm who owns and operates the website. An About page should provide the company, founders, and history details. Be wary if no background is supplied.

Search online for the company name plus words like “scam,” “fake” or “complaints.”

Check complaint sites like Ripoff Report and the Better Business Bureau for warnings. Avoid sites with a history of reported issues.

Call phone numbers provided to ensure someone answers. Search addresses to see if they match a physical location and not a dummy PO box.

Email contact addresses to confirm they are actively monitored. The lack of valid contact information is a big red flag.

Read Also: op 10 Online Degrees For Art Students

6. Confirm Credentials

If a site claims to be a nonprofit or has special credentials, verify these are legitimate. Scam websites often list fake affiliations to seem more authoritative.

Do independent research on any associations mentioned. Search for the named group online and confirm they acknowledge the website.

Check pages like an about us section for each group’s logo and hyperlink. Follow these links to ensure they lead to legitimate websites.

You can also contact claimed partners and accreditors to ask about their relationship.

Any hesitation or denial is a clear warning sign to avoid the site. Never take displayed affiliations at face value without confirming.

7. Analyze Reviews Critically

User reviews on a website can illuminate potential problems – if you evaluate them carefully.

Always check dates and be suspicious of lots of recent 5-star ratings. Scam sites often fabricate positive reviews to drown out real negative ones.

Search for the company name plus “reviews” in Google to find third-party rating sites. These provide a more balanced perspective than curated on-site testimonials.

Be wary if reviews seem disproportionately glowing compared to competitors. Also, check if reviews refer to unrelated businesses, possibly indicating copied content.

Search for negative reviews specifically. Even well-regarded services have complaints, so a lack of critical feedback is a red flag. Avoid sites that only share curated positive reviews.

8. Investigate Pricing and Claims

Carefully look at any claims around loan forgiveness, interest rate reductions, or other offers. Be very wary if something sounds too good to be true.

Questions claims by looking up the sponsoring program for validity. Ask yourself if you would qualify based on the promotion details.

Watch closely for hidden fees and ambiguous language about costs. Request pricing and rate information be provided upfront before giving personal information.

Read the fine print for conditional terms that change the deal later. Get promised discounts or guarantees in writing.

Also, avoid sites asking for large upfront fees before providing services. Scammers often promise big results for a hefty initial “administrative fee” and fail to deliver.

Never pay significant fees until services have been completed successfully.

9. Check for Proper Form of Security

When entering sensitive data like social security numbers, ensure the web form is secure. Look for https in the URL and the padlock icon.

Forms that submit information over http or redirect to third-party domains can expose your data to theft.

Always enter as little sensitive information as possible to start. Proper student loan guidance does not require disclosing things like bank account numbers or login credentials.

Be cautious of any site that asks for unnecessary personal or financial details upfront.

Also, watch for hidden redirects when submitting forms, as you may need to land on the site you expected. Bookmark key pages and login to ensure your data goes to the right place.

10. Seek Out Trustworthy Sources

If you find a site questionable, keep searching for safer alternatives. Stick to government sources like and credible nonprofits like the National Student Loan Data System.

Reviews can help identify well-regarded companies to work with. Join forums and groups focused on student loan advice to crowdsource trustworthy resources.

Ask people for sites they have used successfully rather than trusting random internet results. Word of mouth can surface reputable options beyond scam websites aiming to profit off borrowers.

Read Also: Student Loan Debt Relief: Everything You Need to Know

Final Thought

The bottom line is thoroughly vetting any unfamiliar website before providing personal information.

Research the site’s reputation, confirm credentials, and evaluate reviews. Take a close look at the domain, design, contact information, and claims being made.

If you have doubts, search for student loan guidance from reputable sources. Carefully assessing websites allows you to avoid scams and find trustworthy advice.

Best 9 Student Loan Refinance Lenders for 2023
Which Student Loan Is The Best Overall?
College Ave Student Loans: 10 Things To Consider Before You Apply
5 Best Student Loans For 2023
Where Can a Student Get a Loan?

Leave a Comment