The FTC cautions against these telltale come-ons:

• "The scholarship is guaranteed or your money back."

• "You can´t get this information anywhere else."

• "I just need your credit card or bank account number to hold this scholarship."

• "We´ll do all the work."

• "The scholarship will cost some money."

• "You´ve been selected by a national foundation to receive a scholarship."

• "You´re a finalist," in a contest you never entered.

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Issue: December 2007