"(garble) ? student loan application is set to expire at the end of this year as a part of the Obama student loan forgiveness program. Your loans are eligible to receive a payment reduction by up to 65% and sometimes even forgive your debt completely.
"If you have more than $10,000 in federal student loans, please press 1 now to check your eligibility, or press 5 now to decline this offer and be taken off the list. ... 'Gooodbyie'."
I have been retired for over 15 years.
I do not now have and never had ANY student loans.