Imagine getting a call after graduation that you have an outstanding tuition payment, and unless you pay the bill immediately, your diploma will be rescinded. Scammers are using this threat to con recent grads—who have, in fact, paid their full tuition—into sending money via wire transfer or prepaid debit card, which cannot be tracked or recovered. Another version of this scam attempts to convince college students (and/or their parents) that they owe tuition and need to pay immediately to ensure they remain enrolled.
Student loan scams
Student loans have been targets for scammers for years—made easier by the starting and stopping of loan forgiveness programs—and recent college grads who are getting ready to make their first payments are common victims. You may get an unsolicited call, text, or email from a company offering debt relief or debt forgiveness services for a fee. In some cases, the company is legit but making false claims, and in others, the whole thing is a scam. They may ask for upfront payment, usually via gift card or wire transfer, and never deliver, or gather a bunch of personal information that can be used to steal your identity.
Employment scams range from fake job listings to unsolicited texts from "recruiters" offering a position while demanding personal information and payment for "training." Recent grads may be promised an entry-level remote role at a completely unrealistic salary, and scammers collect everything from your Social Security number to your bank account information in exchange for the offer. Other schemes have you pay upfront for training or equipment you never receive (because the job isn't real) or pay you too much with a fake check and ask for reimbursement via app or wire transfer.
Moving scams
The moving industry seems to be rife with scams, and recent grads who need to move across town or out of state are not immune. Moving companies may charge more money than was quoted and, in the worst cases, hold your stuff hostage unless you pay. Or they may simply not show after you've paid a deposit for the move.
Rental scams
If you make it through the actual move unscathed, you could still encounter a rental scam. As with job scams, these involve listings that sound too good to be true, with lots of amenities in a desired location at an affordable price. (Like job scams, most renters aren't getting these deals in this market.) Fraudsters may even use real properties in their listings to lure you in. Once they have you, they collect a deposit, first month's rent, and a bunch of personal information while leaving you with nowhere to live.
While you may pay your actual rent via Zelle, PayPal, or Venmo, you shouldn't use these services to send a deposit for a rental you haven't seen to a landlord you haven't met. Search the listing on Zillow, Redfin, and other rental sites to look for inconsistencies that could indicate a scam. Verify the address, look at Google street view, and visit (or send someone you trust in your place) before paying any money if you can.
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