I think you're completely right. I keep getting all these weird numbers calling me, some are from that fake IRS scam going on and some come up as "Navient" when I look the number up in google and get redirected to sites like this one. The interesting thing about that is I've paid my student loan bill each month, nothing is late or unpaid AND I have Navient's actual number saved in my phone and they haven't called me recently.