Student loan-never had one-non-English speaking woman threatened to freeze my bank acct if I didn't send a cashiers check for $5000.00. Scammers-I cannot believe that while I was at my bank yesterday the Manager of the bank was speaking with a Senior Citizen, who rec'd a similar call and assured her that no one can freeze her acct and was calling the Police on her behalf. I feel sorry for Seniors who have no one to warn them about these scammers.