1. A fee to apply or to receive the money
Legitimate aid does not require you to pay to be considered, or to “release” an award. Free forms are free.
2. A guarantee
No one can promise you will win a grant or scholarship. Guarantees are a sales line, not a program rule.
3. You were chosen for something you never entered
Unexpected messages saying you have been selected deserve a pause. If you did not apply, there is nothing to be selected for.
4. Pressure and secrecy
Statements like “act today” or “do not tell anyone” are meant to stop you from checking. Real programs give you time.
5. A request for logins, card numbers, or unusual payment
Your aid login is yours alone. Payment by gift card, cash app, or wire transfer is a classic scam signal.
6. A name that sounds official
Names with words like federal, national, or foundation can be invented. Look up the organization independently and check that it has a real, working website and contact details.
7. Vague details
A real program tells you who funds it, who is eligible, and how decisions are made. If it cannot, move on. If you think you have been targeted, consider reporting it to the Federal Trade Commission at reportfraud.ftc.gov and contacting your school’s financial aid office.
General information only. Stipelo is not a school, lender, scholarship provider, or financial aid office, and this is not financial, legal, or tax advice. Programs, rules, and dates vary and change; check with your school’s financial aid office or the official program website.
Free · informational · no sharing