MARCH 04, 2022, KEIZERTIMES, PAGE A5 KAA posts new hours Starting Mar. 1, the Keizer Art Association will have new hours and days for the Enid Joy Mount Gallery. The gallery, located in the Keizer Cultural Center, at 980 Chemawa Rd. NE, will be open Monday and Tuesday from 3 to 7 p.m., Wednesday through Friday from 1 to 5 p.m., and Saturday from 11 a.m. to 3 p.m. KAA exists to encourage the creation, understanding, and appreciation of arts in the community; to gather together objects of art for display and interpreta- tion; and to, ultimately, have the partici- pation of all members of the community as a part of the total art education process. brainfood crossword answers pg A23 FBI: Student loan scams Under COVID relief efforts, the gov- ernment put a pause on the need to make payments toward federal student loans. That forbearance program was originally set to expire a few weeks ago, but now it is in place until May. Regardless of when it expires, fraudsters are taking advan- tage of the situation to target anxious loan holders. Bad actors are using text messages, emails, and even voicemails to target loan holders as they attempt to cash out on your stress. They are offering easy ways to consolidate or even eliminate your loans. Our partners at the Federal Trade Commission have some helpful advice: Never pay an upfront fee. It’s illegal for companies to charge you before they help you. Also, remember that there’s nothing a company can do for you that you can’t do yourself for free. And you never have to pay to get help from the Department of Education Never give out your Federal Student Aid ID, your Social Security number, or other personal infor- mation to anyone who contacts you. Scammers posing as student loan special- ists can use this infor- mation to log into your account, change your contact informa- tion, and even divert your payments to them. Instead of giving out your FSA ID, call or contact your servicer. Don’t sign up for quick loan forgive- ness. Scammers might say they can get rid of your loans before they know the details of your situation. Or they might promise a loan forgiveness program — that most people won’t qualify for. Scammers use fake seals and logos to lure people in. They promise special access to repayment plans, new federal loan consolidations, or loan forgiveness programs. It’s a lie. If you have federal loans, go to the Department of Education directly at StudentAid.gov. If you are the victim of a student loan scam you can report it to the FTC at ReportFraud.ftc.gov. If you are the victim of any online fraud, you should report the incident to the FBI’s Internet Crime Complaint Center at www.ic3.gov or call your FBI local office.