I just tell them the opposite they want to hear. Its a roofing company, great come on over my trailer home needs a touching up. Student loan, [***] i alread told you guys I have no money ill see you in court *hang up*. They never call back :)
Student loan scam. Offering to wipe credit clean of course for a fee. If you have student loans debt like most of us in the Generation X cohort, consolidate via government programs. Definitely don't give your money or info to any company promising to wipe your debt clean because they can't.