"Yes this is Kathleen Richards and I'm calling in reference to your federal student loan. I need to discuss your repayment options with the new changes that have taken effect. So if you could just give me a call back. My number is 866 351 6996 and I'm going to give you a reference number. If you just have this handy when you call back it will make this a lot easier for us. Your reference number is 660 088. Thank you."

CALLER ID: Wisconsin

"this is Helen Williams calling regarding your Fed Student Loan, please callback to discuss refinancing options to keep your loan current. this is a scam we have no federal loans."

CALLER ID: SUSSEX, WI

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