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Many use high pressure sales pitches at seminars where you're required to pay immediately or risk losing out on the "opportunity." Some unscrupulous companies guarantee that they can get scholarships on behalf of students or award them "scholarships" in exchange for an advance fee.

Most offer a "money back guarantee" – but attach conditions that make it impossible to get the refund.

The FTC cautions students to look and listen for these tell-tale lines: The FTC says many legitimate companies advertise that they can get students access to lists of scholarships in exchange for an advance fee.

Other legitimate services charge an advance fee to compare a student's profile with a database of scholarship opportunities and provide a list of awards for which a student may qualify. The difference: Legitimate companies never guarantee or promise scholarships or grants. Department of Education's site for free information on preparing for and funding education beyond high school.

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Sometimes, these companies ask for a student's checking account to "confirm eligibility," then debit the account without the student's consent.

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