Back to School Security Basics

Smart tips to help students and families avoid fraud this school year

As students head back to classrooms and college campuses, it’s not just pencils and planners they need to be prepared with—it’s protection. With more school forms, tech devices, and online accounts in use, back-to-school season is also peak time for scammers targeting students and families.
 

At Provident Credit Union, we’re here to help you stay informed, secure, and one step ahead. Here are a few common scams to watch for and simple ways to keep your information safe this school year:
 

1. Student Loan or Tuition Scams

   Fraudsters often pose as financial aid offices or government agencies offering fake “relief” programs, grants, or tuition discounts. The catch? They ask for personal or banking information. Never provide sensitive details over the phone or via unsolicited emails. If something feels off, contact your school or loan servicer directly using official channels.
    

2. Fake School Supply or Tech Deals

   That “too good to be true” laptop deal on social media? It probably is. Scammers create fake ads to steal credit card information or deliver counterfeit goods. Stick to trusted retailers, and avoid unfamiliar sites that lack reviews or contact information.
    

3. Phishing Emails Posing as Teachers or Schools

   An email that appears to be from a teacher or administrator may actually be a phishing attempt, especially if it urges you to click a link or download a form. Always verify the sender’s email address and watch for typos or urgent language. When uncertain, contact the school directly to confirm.
    

4. Public Wi-Fi Risks at School or on Campus

   Unsecured Wi-Fi at schools, libraries, or cafes can expose your personal data if your device isn't properly protected. Use a VPN when possible, and avoid entering passwords, banking info, or other sensitive data on public networks.
    

5. “Dorm Package” or Text Message Delivery Scams

   Some students report receiving texts or emails about a missed dorm delivery that require them to enter login or payment information. These are often scams. It's best to check directly with campus mail services and avoid clicking on unfamiliar links in texts or emails.
    

Extra Credit: Easy Ways to Boost Your Security

• Turn on multi-factor authentication on all school, email, and bank accounts.

• Set up account alerts with your Provident  accounts to monitor for suspicious activity.

• Teach your student to recognize scams—even a quick conversation can prevent big problems.

• Use strong, unique passwords for every account and update them regularly.
   

A safer school year starts with awareness. Whether you're sending a child to kindergarten or college, taking a few simple precautions now can help protect your finances and peace of mind all year long.